Additionally, I am beginning to believe you don't live there to be the "house monitor" as this seems to be going on for a time period. 

I also make sure to specify in the lease agreement that I need proof of coverage before move-in and that the policy should name me as an “additional interested party.”

In addition to that, you could open up a credit card to get that credit history rolling.

Can provide all the benefits from a cash flow and tax perspective.

Additionally, you can still find properties for 120-180k that will positive cash flow and hit the 1% rule.

This can put a significant strain on your finances and cash flowThey also often require a large down payment themselves and may have a strict repayment schedule that can be difficult to meet, especially if there are unforeseen circumstances or delays in renting the property or generating income from itIn addition, relying on this type of loan may expose you to higher financial stress and the possibility of default if you are unable to meet your loan obligationsThe final decision depends on your overall financial situation, risk tolerance, and your ability to manage the associated costs and obligations

You have to weigh the benefit of the insurance claim payment versus potentially having your carrier cancel you and perhaps get black-balled by the insurance industry.

It will familiarize you with the basic terminology and benefits.

But if the additional mortgage payments come from a different  loan (Heloc) with similar interest rate as the mortgage, there is no financial benefit, which has been shown repeatedly in this discussion.

How do you finance the tear down do you add it to construction?