The carrier seeking to subrogate must show negligence.  

Or should I seek help in the form of a RE mentor?

I also suggest you use a fixed rate, adjusting rates must be accurate, indexed, with a margin, floor rate, sometimes a ceiling rate is required and your accounting will be more difficult, for a small amount, save the brain pain and adjustment issues and go fixed rate.James described the deal perfectly. 

PLUS, moving is a huge pain in the butt.

I may seek other quotes or look into the feasibility that my handy man could do the install (he is only an OK handyman, I used to have a great handyman (that I would trust for this installation) but his Mom had a stroke so he does very little work for me recently).If you go for the self install I would be very interested in the details.

Are you seeking ONLY 2/1s?  

@Dawn Anastasi If you don't mind my asking, what type of properties are you actively seeking?

As a new investor, I want to know where I should be financially before seeking funding.

I own a real estate and property management company so I may be able to offer some advice before you seek legal council.

While this was a pain in my ***, I also made around 40k profit on a total cost of under 150k.