Hi Richard,There are several companies out there who will write a vacant dwelling policy for the type of property you're talking about. 

Look for a independent agent that:- represents multiple companies- has experience in the rental or construction areas- that, after talking to them, makes you comfortable that they will do their best for you.As you expand in your real estate business you may need some of the following types of policies:- renovation builders risk- vacant dwelling - apartment building policies- contractor liability - personal or Commerial umbrella policies - workers compensation- business autoIf you agent has only one option for companies or only handles one type of coverage it many not be a good long term choice for you.

I have an ongoing stream of off-market deals in the NY Tri-state areathat I will be able to offer you. 

If you had about $10K to give to a charity with the hopes of creating a long term income stream for them (even a small one) what would you invest it in?

I have always been a firm believer in having multiple streams of income which is what has brought me to this site.

A small lot subdivision I believe needs a minimum of one private exterior useable open space per dwelling unit measuring 60 square feet.  

From the info you've provided Id say you need either a dwelling-fire policy (also called, landlord policies) per property, or a commercial package policy to put all 5 properties on one policy.

Know I am so thankful that I did because I have a steady stream of passive income.

Hello,If I make money through rental properties and through 1099 income, should I set aside a fixed amount from each income stream for taxes?

Your goal is an amount of money or an income stream of some amount at the end of your time line.