Is it any less secure buying the policy after purchase or harder to obtain a policy?

I was talking to him about how to try to obtain this MFH home, I told him my girlfriend seems to be ok with us refinancing our house in just her name, which would allow me to get an FHA loan on the MFH i'm trying to qualify for, he said he wouldn't be able to do that to his underwriter?

There are a number of expedited procedures which may allow relatives to obtain access, a probate court order authorizing management to open the unit, or a summary probate process available for low value estates when a personal representative is appointed quickly.

I have minimal construction experience and was wondering once I obtain the land.

You’ll then need to focus on obtaining your down payment.

That will allow you to obtain the best terms on your financing. 

Neither party could come in later and obtain equity from the other party as a result.The initial equity would be baked into the transaction for life.  

It looks like it's not even required to obtain an EIN in some states.  

We obtained BPO's for all of them but had to go a couple rounds with many of the agents and their evaluation.

One referral alone could make up for the cost of obtaining your license (I'm not sure about MD & DC but VA was about $500 for online education and exam fees).