Another option is to fill the space with RVs.

If there's other appliance protection that's better/cheaper, I'm interested in hearing the options as well.

We would like to grow our portfolio as time, finance, and opportunity allow.Lastly, our oldest is headed to UConn for her PhD (6 years) and instead of paying to rent, our thoughts are to do a version of a house hack with buying a house/condo with her living there and then renting out one to two rooms to offset the costs of her rent.

and pay them off with that, BUT if he were to sell the property, he would rather much sell it to us (his family).so my question here is if I were to bare interest in buying his property (it would be my first) so it stays in our family line, what would be the best way to purchase and finance it (possible house-hack or LTR if I were to purchase it) ?

To avoid trapping capital in your current deals and maintain your returns while positioning for future growth, there are several strategies to consider.First, flexible financing options can provide liquidity.

Is wholesaling here a viable option or do I have to increase my radius?

buying now with a $100K reduction in a buyer's market, the real estate market is dynamic, and staying flexible with options like refinancing can help you navigate changes effectively.

- but you can find them online by googling for them (if no better option).  

Does this mean that even if the tenant gets their own renters insurance its still not an option?

How did you finance this deal?