Therefore, I wonder if an earnest money deposit of $50k is normal for a newly built single family house? 

The $1300 does not seem out of line at all to me, insurance right now is going through the roof and what would have been ludicrous last year is now looking like the new normal. 

I normally go into a deal telling a borrower to expect 70% LTV and then if the appraisal comes back suburban then we can bump up leverage. 80% LTV is typical in suburban areas and 70% is typical in rural areas for DSCR lenders.

We made to make some upgrades to cover the number of people but haven't had any issues other than normal maintenance yet. 

Normally, I would agree with you on that statement. 

It is normal to get cold feet but the main thing is to do the best due diligence you can do prior to going under contract-  "Pre-DD". 

For example out county has a minimum 2 acre lot size, but also. 300 foot depth.  

I had an AC unit stolen - thieves climbed a 7 foot fence on my Class C house (I didn't have security cameras on this house). 

I think it depends on the market.. they approached me on a furnished rental I had in Vegas (Summerlin gated community A class)  We got basically double or a little more of the normal rent..

Current building code requirements and local amendments should be considered forrebuilding the fire-damaged portion of the residence.The Engineer shall have no liability to the Owners, or to others for the acts or omissions of theContractor or any other Persons performing work on the project, or failure of the Contractor tocarry out the work in accordance with this letter, except where specifically inspected andapproved by the engineer and discovery of defect is possible within the normal ability or standardof care for the industry.This report is based on a diligent visual inspection of the referenced areas.