The policy is also referred to as a "Dwelling Fire Policy" but has the necessary endorsements and limits required by my lender.

Absolutely look for a private landlord as they are not bound to corporate policy and can use judgement.  

While listening to the bigger pockets podcast on my drives to and from work, I realized I jumped into real estate investing with not only zero experience but zero personal asset protection. 

In AR and the Little Rock area, we do Termite Policy and sometimes Pest service if required for Roached, etc.I recommend you take on a Termite Policy, and they come to inspect yearly and treat if needed. 

You should definitely get umbrella liability policy and you will need to change homeowners to cover rentals. 

I have a somewhat high tolerance for risk.

@Calvin Turner I gotta say, man...you're a big time wholesaler in multiple states and you are not sure how to get images of the properties you are brokering without a license "wholesaling"...interesting dilemma...makes zero logical sense, but interesting...

And sure enough they're open to it and we are putting a deal together. 10% down and only 4% interest and zero closing costs/points.

Since you have close to zero debt and an excellent credit score, I'd highly recommend an FHA loan for low down payment options.

As for this landlord, I believe he was not renewing unvaccinated people which given the lack of possibility to vaccinate kids at the moment I think there are other hazards to this policy.