I have not heard of the bank actually physically checking in person to see if you're using the property as your primary residence but no doubt they are looking at things like mailing addresses for tax bills, water bills, etc.

As for the refrigerator, i need to replace with a new one.Would love to hear your thoughts about how to prevent things like to happen in my future deals.An important point is that i'm an out of state investor, which means i can't be physically in the inspection together with the inspector.Should i insist on certain things?

And the only way you can learn is to physically do it like you touched on! 

There is no substitute for physically walking through properties.  

Because sweat equity comes in many forms such as physical work on the property, finding tenants, collecting rents, doing taxes, finding the actual property...This is one of the hardest things to agree on and when costs increase and money is not being made it leads to a lot of conflict.

(I can fly back for closing or other events that requires my presence)3) If both of the above are okay, when do I need to be physically present?

Owner occupied means you physically live there.

Make sure the tenants understand the terms and are willing to abide by them and have the means to do so (mentally, physically and financially).2.

Rentfaxpro might help for the non physical stuff.

You have to treat all physical (people) things as a business owner and not personally.