I fully support the condo/apartment path, but the SFH inventory opens up a lot of options!

That will become the norm, until you have a healthy balance sheet and good relationship with a bank(s).Finally (sorry. 

Now my insurance is being cancelled due to not being able to provide supporting paperwork.

What does sail boat have to do with real estate I though this forum was here to help each other and offer support and give information 

Show him the supporting comp data and renovation costs.

Just be sure you have all your evidence lined up and can support your damages.I still think it might be worth buying an hour's time from a local attorney.

I love the cloud based training and local support of EXP.  

In your situation: if the numbers work and the rent supports the purchase price, then go for it.

I have a relatively strong network that may be able to support either.

I do this with one lot where I will list several different house plans at different price points as long as the area will support it.If the road front lot and house are the least desirable then that would be a good lower price point option if you feel it's necessary.