But, the owner occupied property is different because you will likely have to use a conventional loan which requires 12 months seasoning (waiting period) to use the new value but of course that 12 month would start from when you buy the property so it will obviously take you some portion of that 12 months to build the house.  

Hello everyone,Bigger Pockets provided a lease agreement for Arizona which has an option to require the tenant to a include liability requirement in their renters insurance.I'd like some advice to help me understand if I need to include a liability amount as a requirement and how to adjust this amount for different properties.Thank you in advance!

Both parties were right–and wrong–simultaneously, and it required a lot of hand holding and collaboration.

This is where it gets fishy for me because I was never told about this %10 deposit.

However, that doesn't mean there aren't good investment opportunities available.Richmond has a diverse real estate market with several neighborhoods offering potential, though it might require looking into properties with different strategies in mind.

Some require that you pay a fee in order to see the lists of foreclosed properties…I have yet to find a way around this

You can control prospective tenants "trashing" the place with a strict contract and higher up front deposit. 

For the DSCR, some lenders require a period of prior investing in order to qualify for that loan, for example one prior year of investing.

As long as you meet the requirements for both statutes you can take both.

I see that you required contractor to have General Liability and workers comp insurance.