One thing I've noticed is that a lot of people don't have "replacement value" insurance coverage.

I was even thinking the turn-key route but I need at least credit for that plus what I been reading, I don't see a lot of positive reviews about them.

Would be curious to gain insight to other's experience (positive or negative) in that area, or even connect with anyone that may be looking for this type of service.

I am in CA and help clients buy out of state, cash positive rentals.  

Learn a little first, and then you can make an informed decision to make the trade off for a higher initial equity position that the low income provides. 

I have zero investments at this point but my plan is once I've built up some money and in a financial position to purchase my first home (2-3 years) to purchase a multi family home, a duplex up to a quad plex depending on what kind of deals I find at the time and the market.

You give your tenant 24 hrs notice to do work and proceed to do the work.

I also noticed you didn't have water/sewer in your estimate, and who will be responsible for lawn and snow?

I do know This is a big renting area not a lot of people buying but I have notices houses are selling for 50k to 140.

3) How do I find Private Lenders in Montana, or who can legally lend in this state from their state, and who allow the property as the collateral, who also allow wraps, with them (Lenders) in the 1st position?