I guess I am a skeptic that thinks between the deductible and the claim fighting that I won't ever get any benefit from the insurance itself.

The two main options for doing so are called borrower paid single premium mortgage insurance and lender paid single premium. 

Can a wholesaler benefit from homes that got flooded.

                     $220 Vacancy/minor repairs/maintenance                    $220 a month for water/sewer/trash/landscape/snow (actual should be way less)                     $1000 debt serviceNET loss of $160 a month      The cash flow is terrible of course, but that is mainly from the outsized taxes which was from what I can tell from tax records an extra school levy, total taxes for 2016 were  $2341 on same valuation.

No real benefit to the lender to renegotiate. 2.

Hello BP Communityi am new to real estate and looking to network with other investors, mainly house flippers and wholesalers but all types are welcome.

I wouldn't worry overmuch about copper theft/breakins - that's not much of a factor in our area, and being in a condo complex you'll have the added benefit of plenty of eyes. 

I'd like to rent out the ADU consistently, and also the main house when we're out of the country. 

Me that is commercial real estate and owning some potential businesses.My main revenue generator is my commercial brokerage business.

One idea I would like to add to what they are saying is, if you are a single guy, another route would be to buy a house that has a guesthouse in the back and then rent out the main house.