Now they have come to realize that the renovation costs are much higher than expected and are looking for suckers who would be willing to pay a lot for buildings that have sat empty for years and have blight liens against them?

You should also go to your local REIA as a lot of wholesalers will go there.

Many lenders will not do a DSCR loan unless cash flowing.

What platforms should I use so that insurance companies will know about my MTRs?

I am closing this week on another Duplex all in 90k, rent will be 1800- 2k.  

My recommendation is to find work that will allow you to save up for EMD.

I have been doing research(and will do a lot more here on biggerpocket now) but since I'm not familiar with US real estate and the ways to go I Thought I would ask you experienced guys for some thoughts and advice. 

I am not exactly sure what would be the best option for me but willing to hear out what people think would be a good idea. 

Someone who is less risk averse may be willing to wait to see if rates drop more significantly and take the higher rate for now and refinance down the road but for the less risk averse, it's definitely a meaningful conversation and pretty easy to quantify by taking the cost and dividing it by the monthly payment savings to determine a "break even" period to see if that makes sense for the client.Curious to hear others' thoughts on this.

I did mention two other things, but those were specific to the comfortability/uncomfortability of the roommates based upon her actions, which the lease does not mention anything about.Moving forward, I will include something about the roommates opinion in the lease.