I've seen some deals only work out because the listing agent was representing both sides - it made it naturally sweeter for them.

The nature of IRR is to analyse the periodic cash flow.  

We don't have expensive tastes heck I might just travel the country in an RV and help during natural disasters.

I think both places would give you fantastic information and the REIA would help you get your questions answered by experienced investors who want to help.It seems to me that you might not have adequately considered your cashflows as you are discussing potentially losing 60% of your $8k assist but aren't sure how to come up with the money for a traditional loan down payment.

What type of policy do you get for your flips,my agent just informed me all we get is protection from fire and vandalism and Mother Nature called  a fire 1 because they are considered vacant or unoccupied.Do you even insure them ?

Does the property drain adequately away from the structures?

Lastly, they are naturally asking for the mortgage company's information, loan number, etc.

The old rule was that owners didn’t have to remove “natural accumulations” of snow and ice, but the court overruled that in favor of a general obligation to keep property safe for all visitors and guests.

Most similar homes in the area have left them natural and they are still selling quickly.

Naturally, for a rental you would choose something cost effective and replaceable.