Habitat would do it but that's a charity program as you know.My only suggestion to anyone engaged with new construction with Morris is to be uber careful.Home inspections at each phase is critical.. once you cover the walls you cant see the corners that are cut.. even though it could pass city inspection.. also you run into mechanics leins and so on and so forth.. building from ground up takes a little more experience than rehabbing.. 

I have many of the bases covered for my team but the missing piece is a partner or lender. 

Am I covered?

Even then, I have enough of a reserve that I don't need the rent to cover the mortgage.

Either your friend is hiking your rate to cover his compensation, or he put you on a lender paid mortgage insurance program to limit your monthly payment, but at the expense of up front closing costs.

Charge the tenant a "water transfer fee" up front that covers the fee.

Yes, we are covering the buyers agent’s commission and stated it in mls description. 

Rental property will likely require 20% down, you also need cash to cover closing costs.

I am looking for property insurance options to cover these properties / my investment for this redemption period. 

Now that everything is settled i have umbrella question.I have 2 rentals I bought for about $60k Each 1 in Mi and 1 in Pa.  1 insurance company covers both house.