The insurance companies are allowed to raise rates by zip code not on an individual policy for “an act of God” claim.

It includes the common repairs we have found -- fist holes, broken bi-fold closet doors, trash left in units (we charge for dump runs).Some localities do not allow LLs to charge for their own labor, some do.  

I'm looking for an iPad app or software that allows me to design a room and also provide a list of all materials needed.  

Working a W-2 job looks good for lenders and will allow you to invest on the side.

@Marc IzquierdoI'd also consider whether the bank would allow you to used borrowed funds as a down payment.

We can obviously negotiate further once we're allowed in to inspect."

Sometimes, Additional or accessory  Dwelling Units are allowed but local owner must still occupy the residence.

Sure you can inspect, as long as your contract allows it.  

That being said, I was considering building a low cost franchise opportunity to people who struggle, like single mom's and the elderly who live on fixed incomes, allowing them to rent an apartment from me and the could rent the rooms out themselves.With the right team I see a win win, but I wanted some feedback.

Less rehab wouldn't allow you to force enough appreciation to get your money back out.