I also don't know if changing the insurance policy would also require me to loose the homestead exemption and DV discount on the property taxes. 

This is a portfolio loan offered by local credit unions where you can buy up to 5 pure investment properties with as little as 5% down if you qualify, which you do have to qualify still with DTI, credit, reserve requirements, etc.  

The funds your "deposit" with them sit in a money market fund.  

If you were required to leave some sort of explanation for giving anyone a less than perfect rating, you'd probably either be justified (or felt justified), or if it wasn't something you wanted to spend time explaining you'd just give the 5. 

Which entity do you require? 

Do lenders consider this a multi family and require commercial financing or is it considered a single family?

Quote from @Trino Martinez: I came across an article (link below) about a proposed bill (HB355) in Utah that did not make it out of committee that would include among other things a requirement for landlords to give 60-days notice for rent increases.

Make a note of any obvious maintenance or updates that are required.

But as of now no requirements.

For DSCR lenders, pre-approvals require a credit pull and the assumption of the property appraising for near what the borrower states.