I have a wood stove in one of my rental as the power is known to go out for a day or two with winter storms. 

If it’s just some tubes and a little bit of wood, you’re done there - other than maybe a yearly checkup.

What sort of premiums are you paying for the wholesaling and the rehab work?

The problem is Utah wants a premium, I have seen duplexes run anywhere from $350,000-$600,000!

Are they wood or brick?

I have a ton of tools in storage that I need to move in; welder, air compressor, wood working tools etc.

In other words, you're really not getting around the wood eating creatures unless you maintain an active termite bond/annual treatment from the date it's built.

Either way get the elevation cert, as having this in hand can reduce your premiums as without the elevation cert you are always quoted the highest premiums VS your actual base flood elevation measurements...I once had a property removed from flood plane went from AE to X via a elevation cert and a LOMA - Letter of Map amendment. 

Some good reading:http://www.entrepreneur.com/encyclopedia/term/82662.htmlhttp://www.entrepreneur.com/article/79594http://legal-dictionary.thefreedictionary.com/Workers'+CompensationAs this was once explained to me by an attorney, workers' compensation premiums are retrospective - so you can have a policy that just covers a single employee initially, and additional employees can be added with the premium due being determined by year-end audit.http://www.comppremiumwizards.com/RetrospectiveRating.phphttp://www.insure.com/articles/businessinsurance/workerscomp-premium.htmlhttps://www.wcfgroup.com/faq

Most of them I dont have to worry about, they rent a SFR and pay premium rent, because they want a nice home and will not only pay a higher rent but also make sure it's well kept.