Make sure they know you want an umbrella policy.  

This allows the fix & flipper to make a little money upfront, but a lot more at the back end when we reassign the mortgage/deed of trust back to them.

See what a difference it will make for people to know you have 13 years in.

I'm simplifying but by no means do those riders enhance coverage - they prevent the contract from being voided and add premium to make up for the increased risk.You're an investor with multiple properties so adding this type of rider isn't really what your initial post was about at all, was it?

It might make the most sense to just sell your primary residence and use it as 40% to 50% down payment on your future home. 

Then you can read a more in-depth book like The Book On Rental Property Investing by Brandon Turner or The Unofficial Guide to Real Estate Investing by Spencer Strauss.You need to get a firm grasp on two things: the ways to make money with real estate, and how to find deals that match your goals.P.S.

Connect with a PM to make sure you are on par with market rent.

I'll get back to you when I decide whether or not I want to go that route for this home.  

The end goal is to make $30K all said and done off new home builds and subbing 90% of the work out.

We would need to know your current operating expenses (and rent) to be able to provide any suggestions.