@Wagner AlcivarIf I were you, I'd pick up the phone and try calling other homeowner insurance providers.Allstate, Progressive, State farm, Amica Mutual, etcThere are plenty of them and they each have different underwriting procedures.With some, you'll qualify.

@Mike Flora, Your purchase price is what determines the replacement value. 

I encourage you to post your analyses and welcome criticism because you'll pick up a lot from those who argue and tell you you're wrong so don't let that get you down.

I am out the door by 7:00 AM and usually home from work and picking up my daughter from school around 5:30 - 6 PM.

If the partners agree to specially allocate one item (for example, capital gains) 80/20 for economic purposes per SEE safe harbor, the corresponding tax amounts must also be allocated 80/20.However, IRS has a framework that can reallocate the partnership items based on the “ partner's interest in the partnership” if IRS determines the method of sharing the partnership items lacks the “Substantial Economic effect” (SEE) To meet the SEE, there are strict rules to maintain meaningful capital accounts including Deficit Makeup Requirement for those accounts.With the requirement, the partner must at some point contribute sufficient capital to eliminate the deficit, and the partner has the burden of the loss that partnership has and the allocation of the partnership will be respected by the IRS.This is a very high-level summary of the rules and is not comprehensive. there are many exceptions as well.Since the substantial economic effect, safe harbor allocation rules are complex and requires considerable additional recordkeeping, it's easier to follow PIP standard. 

Regarding to the books and materials, just pick and read.

Definitely file your Schedule E's when you do your taxes, that way you can provide them to the bank and hopefully get more borrowing power since they will use a percentage of that income towards your other income to determine your loan amount. 

That is how I started working full time and picking these up one at a time.

She loves going to garage sales to pick up good quality furniture.

I pick the largest office and question the officer experience.