Following David Green's Core 4 strategy (realtor, contractor, property manager, and lender) gives confidence to invest anywhere.

My only other bills are phone, insurance, gym, and student loan.

A long lease may make you feel warm and fuzzy inside, but its not the insurance/stability you think it is.

Or any suggestions on how i should adjust my REI strategy compared to what the typical investing strategy would be?

More specifically  the matter in which you operate your real estate business on a daily basis/ contractual relationships and your insurance coverage. 

I am curious if the fees I am being presented are in line with market norms:lender app fee: $10,000Origination fee 1% ($20,000)Lender costs: shows a fixed amount at $10,000processing fee $895registration fee $10,000Title and escrow fees: $4,000 est.6.5% rate fixed at 10 yearsPrepayment Penalty: Yield Maintenance months 1-114 (1% minimum)Third Party ReportsApppraisal Required Engineering Required Environmental N/A Seismic Report N/A Market Study N/A Funded EscrowsReal Estate Taxes Required Prop/Liability Insurance Required Special Assessments N/A Ground Lease N/A Replacement Reserves N/A Required Repairs TBD Debt Service Reserve N/AWould love to hear your thoughts on this as well as what you think is appropriate fees for the freddie mac sbl program. 

@Bob Stevens that will be 8-10% net after all monthly reserves for property taxes, insurance, any owner paid utilities, vacancy (5%), property management (10%), and maintenance (10%).

I am looking for reasonable landlord insurance.

Let's deep dive into how an SDIRA can revolutionize your wealth-building strategy.

This helps safeguard your transaction and you need a title insurance policy protecting your loan as well.