:P There isn't anywhere near enough information in the original post to provide specific advice so I asked the poster to reach out.  10,000 foot overview the best advice would be to speak with a knowledgeable INDEPENDENT insurance agent and be as forthright as possible with your situation. 

@Matt OwensI did a HELOC on my primary to buy a couple out of state rentals when I first started.

I'm buying and then not thinking about them for 20 years. 

We are new to Texas but have experience in buying, flipping, rehabs, some new builds.If it comes to construction, seems like we've done most of it. 

buying property is a huge deal - it has to be worth a couple trips. 

Never buy a property without seeing it personally AND having it thoroughly inspected by someone of your own choosing. 

Thank you for the information.

This is what I would do if starting out in real estate and wanted to buy my own home and start getting rental income and experience.

I would like to buy a duplex and try an airbnb and if that did not work would like to long term rent the property.  

. - What markets are good markets for investing/buying large multifamiliy apartment complexes?