I was able to get a loan with only a years worth of w2s as i was a student prior to that and i didnt have a large amount down.

Additionally, I had a bed management team prior and already had to spend close to $1,000 to get the property back into rent condition after switching management companies. 

If you and your husband are getting paid hourly, that should come out of the Rehab costs (prior to selling). 

When speaking my State Farm insurance they indicated to me that the investment property needs to be occupied by someone within 30 days with a copy of the the lease agreement and that there is no way around that(if not the policy will be cancelled).   

Because of this, unoccupied properties should not be on dwelling fire (landlord policies) or homeowners policies.

We had never owned a home in Spain as such but a few days ago we found out that we wouldn't be eligible even if the house was given to us as a gift (the house was registered under my mother in law's name) but we sold it prior to movingwhat do we do now?

If not financed, not getting it would probably be the most foolish thing you could do.You would want a Builders a Risk policy, not a vacant policy. 

Do you provide move in and move out reports How many pictures do you take of the property prior to tenant moves in and after the tenant moves outDo you get weekly reports when the property is vacant what prospective tenants are saying about your homeDo you provide monthly newsletters to your tenantsDo you hold investor education classes to help me become a better investorDo you have single point portfolio based management services?

Prior tenant kept cranking the heat up full blast and busting steam pipes.

There is still time to shop around before closing -- I've already contacted some of the other lenders I work with to try and get a rate from them, but am skeptical that a similar situation might arise (they promise one rate, switch to another prior to closing).Relevant info: loan amount is for $51,750 (with 25% down).