There are certain breeds that make it very difficult to get Homeowners or Dwelling/Fire policies.  

I got started with a Heloc on my primary + a scorched earth budget.I'd obtain a Heloc prior to moving out. 

Regardless what strategy you chose, take your time to educate yourself on it prior to taking action.

For those counting in California (Riverside County at least), we would not be responsible for any utility bills that are unpaid prior to our assuming ownership unless there was a lien placed by the utilities on the title, in which case that would have to be cleared.

We had it as part of our purchase agreement that the unit would be vacant prior to closing. 

I still get Tenants arguing that they can't pay rent until the second Wednesday of the month even though we discussed that multiple times prior to their applying and moving in.

They have stronger leases, policies, and procedures.

But Gwen, wondering why you don't do that and then in the interim sell your current property once you've lived in it for 2 out of the 5 years immediately prior to sale. 

"f off, I'm not writing a 'CPA letter' because my liability insurance policy will be cancelled if that lender sues me!"

One is to try to get a copy of the HO6 policy and call the insurance company.