Got added to the property insurance policy as additional insured.4.

You need to carry a special type of health insurance, not the traditional kind.

Guess what your insurance company will say?

My wife and I own a couple duplexes in Florida, however with insurance costs on the rise, we're looking at Wisconsin, which is where my wife is from originally, and we're looking at small multifamily in Sheyboygan. 

Much of Florida is in a similar boat, especially since insurance has 2-3x in the past 2-5 years.

Talk to your insurance agent and be sure you're covered.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Insurance.

No paper towels, no "flushable wipes", no dental floss, no hygiene products, no tee shirts (real example). 

If this is not available then we have done demo and just removed the structure.Sidenote for people who see the title: Do not burn down a house on purpose for insurance reasons.....That is called fraud and is criminal :)