Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like Los Angeles where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

I don't know how desperate or flexible the seller is but maybe they will consider an agreement contingent on the variance for 100% residential.

@Curtis Linville consider an occupant?

I know most wholesalers would prefer cash buyers but I'm sure there's a small mix out there who'd consider an investor with a loan.

I would first make sure you're well insured on both in case anything arises, but it may be time to consider an LLC now that you're gaining some ground in Real Estate. 

If it still cashflows under both of those conditions in the same time, would that be enough to consider an investment very safe?

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

I did learn from this 1st househack that it can definitely be good to have extra cash on hand, especially as reserves, which is why I more heavily consider an FHA for this next one.

Feel free to reach out if you would like to further analyze the deal and consider an offer, glad to connect.

Would you consider an offer on your property at [streetaddress]?