Insurance is a statistics game, thats how they rate your policies, and statistically speaking, with every property you have, new tenant, people over to your house...etc, you are diluting your protection and lack of need for greater insurance.  

I currently have a couple of leads and am looking to get back in the game.

The main thing is disclosure, and they have to understand all ramifications.The name of the game used to be location location location, now it's disclosure disclosure disclosure.

Hi Aaron,Great work on getting started early, that really gives you an advantage in the investment game. 

Hope you enjoy the game and have a good one.

Ok, now that you have taken your initial step, below are some quick links to get engaged.You mentioned three niches of interest and as such I added the guides for your review.http://www.biggerpockets.com/renewsblog/2013/02/22/buying-rental-property/ (how to buy a rental property)http://www.biggerpockets.com/renewsblog/2014/01/07/flipping-houses/ (step by step guide to flips)https://www.biggerpockets.com/renewsblog/2015/01/31/ultimate-beginners-guide-real-estate-wholesaling-2/ (Ultimate beginners guide to wholesaling) http://www.biggerpockets.com/startherehttp://www.biggerpockets.com/meetSetting up Keyword AlertsHow to Use @Mentions on BiggerPocketshttps://www.biggerpockets.com/ruleshttps://www.biggerpockets.com/inviteshttps://www.udemy.com/biggerpockets-real-estate-investing-course/ (video with 64 lectures and approx 6hrs of material)https://www.biggerpockets.com/real-estate-investing (Ultimate beginner's guide to REI)REI can be very daunting, but, before you go searching for that 1st buy, please take a few minutes to bone up on the tips in link below.https://www.biggerpockets.com/renewsblog/2014/12/19/real-estate-investing-success-smart-tips/REI books suggested by BPershttps://www.biggerpockets.com/renewsblog/2015/11/13/7-real-estate-books-beginner-investors/ (7 absolute must read books for beginner REI)http://www.biggerpockets.com/renewsblog/2013/04/14/best-real-estate-books/?

Hi KevinIs this still the case today or are we getting late in the game 

If I find anything that the tenant will be charged for, I document it with video/pictures.

Im looking to get into the buy and hold game.

They are usually done by a block method using square feet, they don't have time to look at each property so if you bet on that value, you'll be wrong, it's apples and oranges.If you don't know what value is based on and the 3 approaches used, you're not even in real estate, you might be playing some guru game playing house like a 5 year old girl, just trying to play with bigger houses.