However, if you have a couple other investments I would form an LLC and use a DSCR loan product or something similar to close the loan in the LLC.

In that case the extra cost of a home warranty is worthwhile to provide security in case of a significant issue.

(Since they will actually be in a worse position then than not selling.) they should ask for 30% or more down, which will give them 20%. 10% of that might be required to sell again. 2) if you can earn 5% or more guaranteed in the bank, what would you require from a stranger where it will cost you 10% to take back the loan and resell to get your money back?

You can take out a loan for the remainder. 

When you are getting started you are throwing money away for a false sense of security. 

All of that *can* be a tough recipe for a DSCR loan at max LTV (75-80% LTV).We even had one major national private lender bail completely on their 5-9 Unit Multifamily product as of this week.

Or from the actual 10/15 year loan?

Are you doing a 25% down loan? 

Since, CFD do not have a note, my understanding is that a loan mod would not apply.

DSCR loans won't use your income to underwrite the loan.