This takes time so be really patient with yourself.If you have alot of questions, get organized and attack each one with prioritization.

Be patient and stick with it. 

This gives you a pretty big safety net.  

Technically owners are supposed to be the ones actually renewing these licenses anyway since you have to make certain affirmations about the property (lead status, fire safety, habitability, etc). 

A little background on myself: I'm a dental resident on Long Island, NY and I started to learn more about real estate investing in my spare time during COVID when I was seeing fewer patients.

I financed it with an FHA loan and plan to just have an umbrella policy as a safety net alongside my standard liability that comes with my insurance.

Backyard shouldn't be an issue unless it's an obvious safety issue and renters are going to be much more tolerant than buyers, on average, of small imperfections like rough cabinets, paint issues, etc.

An effective vaccine will allow states to remove all restrictions, let Americans go about their lives again (without fear for their safety) and give companies the incentive to hire.

We aren't allowed to tell you about the safety of the neighborhood, if it's a good area, etc.

That's the danger of some of these offers these days that are waiving all contingencies is you don't have that safety net.