They are actually fairly active. 

The contractor said that he won't need to put crushed rocks because the ground is pretty compact from years of parked cars on the driveway.my questions are:1) is this a fair quote?

The size of this deal is fairly small that's why I think its a good start. 

Playing with my numbers, I hope to get a 3rd SFR in about a year.

if you insurance business is being reported on Schedule C (not in a S-Corp or LLC) this will not however reduce the self-employment taxes you have to pay on the insurance income.A Cost seg is really a play on the time value of money, depending on your goals with the property it may or may not make sense. 

SFR's are great if you can make an equity play which you can eventually leverage.

Will the home be titled in your name and the seller is essentially playing the lender and holding the note?

Currently 36, I only have one more rental (which I also lived in) and my wife (34 years old) is heading up our first flip, with fairly stagnant results.

finally after almost 6 months in getting my credit scores up to par...I have a little cash saved, andnow it seems I keep running into sellers that are playing games...ie List for 62.5 k...then when I madean offer of 60k...she countered with 64.5k...getting frustrated with trying to negociate buying...thisis not the first time....its happening over and over again since January with varius properties and differentrealtors...any advice?

Of course the bottom line on the settlement sheet isn't all profit - that's where your bookkeeping and tax filing come into play.