I see you mentioned growing neighborhoods, are you hoping to bet on appreciation and sell in couple years for a much greater return?

I bet there are a few on here though.

I bet none of these folks own oceanfront property.

Your best bet will be to pay for the policy yourself.

In theory if you can include it in the rent itself, not as an add on item, and it covers ALL the costs including any possible overages, that is probably the best bet.

A HELOC could be a good bet or find a hard money lender to finance your deal.

For you US people to get what I'm talking about: Oslo is more like San Francisco or Bay Area, with more money, better climate and quality of life, while Bergen is more like Phoenix (just replace the crazy heat of Phoenix with rain every day all year round except from a couple of months during the summer).Rental yield will be a lot lower in Oslo and it would be more of a speculation on price appreciation, while Bergen would be more of a conservative bet with higher yields but prices appreciating a lot slower (Oslo: 15-20%, Bergen: 4%).The most practical would be to invest in Oslo where I live so I could get some economy of scale, but then I would lose the diversification bit and could potentially be really ****ed if the market turns too soon. 

Given the expected sales price that may be your best bet to minimize $/sqft.  

Not many builders in that segment on BP, best bet is to drive the areas you are targeting and see whos building there.

I'll bet that the halfway house was established after the duplex was purchased and financed.