For example, I recently made a loan to a house flipper, partnering with my self-directed 401(k) and Health Savings Account (HSA).

Not if insurance paid for it.

Second, the insurance is $1.5k which seems to be low as well. 

However, a different niche such as insurance placements, might very well be in the 70%~ occupancy level but the rents are going to be so much higher that the occupancy rate (comparatively speaking) is irrelevant.

I just learned that builders risk and liability insurance coverage can cease once a CO is issued for a new build.

class action is what you see on TV  unless there is insurance money to go after you guys are going to have to pay a LARGE retainer to engage an attorney.. and if your deposits are only 40k or so Suing is a waste of time and money for any litigation that small

Insurance for what?

I've done plenty of deals without and agent, off market not even on the MLS but I'm one of those wholesalers that did things properly, had qualified buyers before even reaching out to sellers and strictly stuck with assignments.Biggest problem is so many "wholesalers" barely have the understand of a deed or what title insurance is so there's an immense amount of knowledge they need before hand which can just be provided to them by getting a license!

I think it will also depends on state laws and a lot of information not present but the HOA rules and insurances are two different things.

A little tricky to use, particularly if your just looking for 1 thing like renters insurance or payments.