I am gathering all my resources , first of all and listening to different videos but the price is very expensive for a person that doesn't have it.

I highly recommend starting by tuning in to the BiggerPockets podcast.

Find Brandon's videos on YouTube for the "four square" method of analyzing homes and practice.

( I understand the answer will be highly variable but anything will help)P.s.

To add to that, where high income people are moving. 

I highly recommend you get involved with local real estate meetups where you can learn, Network, and sometimes find a deal. 

Videos?

DOB (on photo ID)**I would highly recommend using a tenant screening service so that you have a full application and ability to provide details to a collection agency.

Google maps is my go to for getting an idea of the property and the neighborhood. usually a couple minutes will display the condition of the area and neighborhood.Also, if you are working with an investor focused realtor usually they can book a showing for you and take videos of the space and any concerning items.

I'm worried about how much penalty I'll have for using my insurance.Or, do I save on monthly premium and hold a high deductible, and pay for a new roof out of pocket once it fails?