I plug in $750 per door for cap ex, and depending on the size of the building, put in another number to cover maintenance. 

I'm in New York State and I'm finding it difficult to find a policy to cover such a home, being that it will be unoccupied.

IF the agreement is that the two months rent paid in advance is to cover the rent for November AND December (and the tenant would owe for December since he/she is not supposedly vacating until December 1) then it is best if this agreement is in WRITING, not verbal.  

Any partnership you do in this business should be in black and white to cover each person.

Yes, the fees cover your costs, which can add up if you have several applicants.

I would love suggestions about what to cover and in what order, especially if anyone has held one before.

This rate is covering your 80% property purchase and 100% of the rehab.

4) People will steal from a company assuming the insurance will cover the loss, but they would never steal from a person who would actually lose something.

I will have a down payment but with the income my other rentals will make in the next year after reserves taken out, will cover the downpayment for the loan.

If they pay after that, you use the late fee to cover notice service Marshall fee.Train them early and often!