I'm an airline pilot and my girlfriend (fiance in the next few months) is a doctor in physical therapy finishing residency this year.

School districts, physical moves, and spouse approval all have substantial weight in such a strategy.

Could be physically distressed property that isn’t market ready.

Hate to be the bearer of bad news, except in the case of fire, smoke, or explosion 3rd party liability is excluded on a premise in the care, custody or control of the insured.

It can also help in narrowing down specific neighborhoods that work well for what you're trying to do. for me, I've bought properties without ever physically going there and seeing the house I bought, but I've always at some point prior to the purchase took a trip out to investigate the area. 

Not too much.Then look at the physical aspects.  

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.