The house is particularly appealing to me due to the low mortgage rate that he got in 2020.My question is whether I should buy his property "subject to" or add myself to the mortgage/deed.

For travel medical professionals I will accept a copy of their fully executed contract in lieu of pay stubs because their prior pay stubs may be totally different than their current contracted rate. 

I am simply asking to include something like, "unit has brought in rents well above market rate year over year" or "unit is cash flow positive". 

What's the accuracy rate?

In April, shopped around a bit with a different agency, but they couldn’t find a cheaper rate.

I’m not buying for the school district and amenities these neighborhoods have.

That amount will have an effect on the premium for that portion of coverage of course, but shouldn’t raise rates on the rest of it. 

My girlfriend is just finishing up her schooling and internship so isn’t making any money right now but will be able to get a good job shortly after we can move.So I’m thinking of doing the 1031 into a duplex we can live in half of it and then once she has the new job we can buy a SFH together. 

The highest insurance rates in the country are in Florida right now, but I still like the state in general.

There is very strong appreciation over the last few years even with the high interest rates.