Some include 1) there are many more owner occupied home buyers than investor RE purchasers 2) adding small units in small counts is the most expensive development 3) it detracts something from the primary even if it is just yard.  

It's always a new account w/ no reviews, and it always starts with "is the place available on 'x' dates".

Another start difference between FHA and Fannie Mae is the “PMI” or “MIP” premium that each will charge.

Just getting started with flips it's best to focus on the "paint on a pig" scenarios.

Is the agent and outside agent or works for the builder or development?

Proper and CBIZ are agencies that offer policies in many states, so you might start there.

My fiancé and I are open to investing out of state and are actually in a trip in Texas to check out real estate see how we like the idea of staring a family here.Our Starting Point (Conservatively)- Located in Camarillo, CA- 120k portfolio in the stock market subject to short term capital gains with a potential tax bill of 15-20k- Current W2 monthly income after taxes: $7k- Side hustle 1 income: $200 month     ($200 in profit)- Side hustle 2 income: $1400 revenue     ($0 profit) - debt at 29k- Current debt: $47k     (Auto: $29k Student Debt: $18k)*the auto loan doesn’t show on our credit for some reasonHow would move forward in our situation?

Seems like you are starting to question the conventional wisdom. 

I have the chance to develop a 35 door BTR project that happens to be in an opportunity zone.

Why can't you start with some smaller residential or small multifamily commercial properties to get your feet wet, show proof of concept and possibly try to take on larger deals.Or possibly find a local syndication group and become an employee under them learning the trade and finding a mentor in the space.