You should have a general idea of this from your underwriting, whether it's a flip or a BRRRR

It seems that most people feel that purchasing a single property with all cash is not as good an idea as investing in multiple properties with leverage.

They're lending their own assets and the majority of the time holding the note rather than securitizing it in the market.

Either way, I suppose it's a good idea. 

If your agent isn't knowedgable they can over or undersell you and that will affect your costs.An umbrealla policy was reccomended to me by my agent (a family member) and in general I think it is a really good idea and usually a  pretty cheap option for risk mitigation.I don't have a specific company to reccomend but hopefully this was helpful.

Also if town homes keep you out of negative equity are those a good idea ?

in general, your hold time for an investment property should be indefinite. 

We also opened a Holding company in WY.

So if you’re not potentially willing to hold onto it as a rental longer term (beyond 5 years), I think the risk is at least worth calculating.

If this is the case I would hold off until you see a monthly payment difference worth pulling the trigger on.