Maybe MOST important would be to understand which states are "landlord-friendly" vs.

People understand that usually, and I don’t get into their personal lives or make it personal, or get into situations where people would want to attack me.

Things rapidly went south when she couldn't understand why I needed to have income / expenses reported independently for each unit though.

Most standard insurance policies have $1M of coverage for liability - which is fine for a single house.Just make sure you understand the policy coverage LIMITATIONS: floods, mold, etc. 

Once you understand the numbers they are looking for it is a lot easier to underwrite the deals with confidence.

Understandable for agricultural land.. but did not see it happen for houses

I understand. 

Shawn, from what I’m understanding you explain, it seems like you want a low price point with decent cash flow.If you’re looking in Utah, you might want to consider other markets for this buy-box.For my clients that are looking to invest in the wasatch front I’m constantly trying to help set realistic expectations for them.You won’t find much cash flow unless you’re putting a sizable down payment down, house hacking and waiting for rents to increase, using creative finance, or using another rental strategy like mid term rentals or rent by the room.On the flip side of this, Utah has one of the strongest economies, youngest demographics, and most educated population in the country.

I have friends and colleagues that manage airbnbs in the area and my understanding is that the price point for entry is lower and competition is not as high.

However, understanding the guidelines might help you.When it comes to a 2 year history of employment, this is really only required for self-employed.