If you currently have no capital, you have two main options: Save up capital, or find a creative way to secure your first property.

I am social security age, barely. 

., I've been thinking that if I can survive the renovations and get the properties rented (I'd like to hang onto the properties if I can, selling is less desirable back up option) then I would try to secure a HLOC to consolidate my debt, but I've been wondering about the debt to income being a problem.

I don't know of any way to finance them but I have 4 that I was able to purchase with cash, secure a HELOC that covered my purchase/rehab costs and still have them in positive cash flow...

This isn't really a huge deal, but most of the sites have their hands full taking in domestic money at this point given the complexity in the securities laws.  

The Mortgagee has the ability to accept or reject insurance in most cases through the language in the security instrument.  

I just say to my LO tenants, you are headed toward ownership, you are a smart and financially secure family,, you'll handle most maintenance right?  

The water rights are discussed in the MLS and I've been able to verify a number of public sources regarding the rights.  

From 1975 to 2005, the cost of attending public universities in the U.S. tripled.  

I'm living in the first house I bought through a public trustee auction, it was an amazing deal, but it took some kahunas, first to conquer at the auction, then to follow through by leading a crew of four on a complete remodel in four months.