If you have an insurance claim with renters in the property and a homeowner policy I would expect the claim to be denied.The benefit of landlord insurance is that it will actually cover you, if you try to rent a house out with a typical homeowner policy you are simply not covered (even though you are paying premiums).Insurance is not where you want to go lowest bidder or look to cut corners - it is there to save your behind in the event of a major incident.

How much of this history is a predictor of the future? 

You have to live somewhere.You may need to lower your return or cashflow expectations so you can get into a house hack that will allow you to avoid throwing rent money away every month.

Any good lenders to contact and/or what rates should I expect to find?

As the owner of the land and the builder, would I be able to include all my expected profits with the cost of the land and then build "at cost?"

These are our best months spring break/spring training baseball so it was generally expected.  

I'm going to reach out to the hoa to see who is responsible for the pipes between units , but I do expect I will have to pay.thanksrob 

To help, I used Excel to forecast the future value (FV) of both options: 1) leave existing traditional rollover IRA in-place or 2) liquidate the IRA, paying the 10% penalty and 33% marginal Federal tax hit.I'm 15-16 years away from retirement and computed the FV of both options over that timeframe.

If you hang on and keep the future benefits top of mind you can pull through!

I am assuming you are 20 years old right now, your dollars in the market have a 80x multiple in future value terms right now.