As of right now the insurance company doesn’t want any liability.

you’re on the right track. just hang around this website & when you’re old enough go ahead & pay for membership at ur local real estate investor group in ur city- every city has one. google it. whatever you do start saving mad cash & get good credit. work hard, save the money & house hack. get a 2-4 multiple fam when you graduate high school with ur saved cash & good credit. 

Keep in mind that are not appraising "replacement value" like an insurance company would use.

Look at employers in the area - you want some diversity of employment so that if 1 company closes you don't lose a bunch of the population2.

We are in dialogue with a specialist prefabriated/modular company who might build a single family home on a different part of our site.

Buy a copy of James Dahle's Asset protection book for doctors he runs a company that sells financial education books and courses focused on doctors (White Coat Investor).   

When they do that, the insurance company will mail you proof of coverage, saving the tenant the trouble.

Working at a title company or real estate attorney's office might be an answer.

There are conventional/FHA guidelines that allow for less than 2 years of work experience provided you were in school.

"No road is long with good company"