Most rentals are just maintained to some extent then repaired before the damage becomes very bad

Comparing yourself to others creates two damaging assumptions, that those who have done more “deals” than you are better, and those with less “deals” are worse.  

Here are a few potential explanations:The policy holder may not have followed the terms of the policy, such as failing to maintain the property or not disclosing relevant information when applying for the policy.The insurance company may believe that the damages claimed are not covered under the policy.

Well the tax lien is 19.5 the home has be ran though and damaged for my first investment I would to put in the sweat equity and get a first hand understanding.

The hail would have damaged the awnings by now.

The hurricane hit my property and did some damage and the wind blew off my entire fence.

Also, in the event of major damage, usually 50% or more, you have to rebuild to Current zoning. 

Payment processing fees, marketing fees, hosting fees, lack of host protection with damage incurred by guests, etc so these additional costs need to be accounted for when running numbers.

For example, if I could use my phone to take a picture of a damaged AC and the app pulls up prices in my area?

But in those better areas most of the turnover costs is just tenant damage and wear and tear which you will have anyway.That style of floor plan could be under a hundred K to build but watch the quality.So unless your build quality is high to justify the high total cost why not buy existing and just move the lots at a profit?