@Ben Joseph the proper policy is you need is a Non Owner Occupied Rental Dwelling policy, commonly know as a Landlord policy.You are correct in a Rental Dwelling policy will usually have Liability as part of the policy.

They are 4 bedroom, 4 bath, and they share the common spaces.

The title company has a form that the buyer's fill out saying how they want to take title such as as an unmarried person, as joint tenants, as a married person as separate property, as tenants in common. 

Increased vacancy and expenses (common for properties I buy) would certainly impact the property value.Unfortunately, I've found that sometimes I've overpaid for a property because I overlooked some serious maintenance/capex/tenant issues, and I haven't been able to correct them in the year purchased.

This is a pretty common issue, you'd think they'd be well-versed on it.

The survey is fairly common and is usually required by either conventional or FHA.

If you don’t mind sharing your common spaces, this can be a very effective way to go.

So I’ve learned that it is a common thing for start an LLC for your rentals properties.

- I know Cash for Keys is a common tactic.

They are much more common in Minneapolis but have been done in St.