Once construction is completed, you will refinance with a conventional mortgage for the permanent financing.The fact that you have partners will complicate things for FHA and other mortgages.  

Surely I can't rent just to the insurance company; if I didn't get paid I suppose that would make it harder to evict the tenants.Despite these complications, I recognize that, if this and other insurance companies have a ready supply of clients with a need for temporary rentals of a few months, that could fit into my plans for this house, which my wife and I hope to use ourselves, but only in the summer.I'd appreciate some suggestions.

Are there upgrades that would help in easing some of the various "complications" that may arise while renting?

Tax sales, oftentimes, (judicial and upset, but prefer judicial.) 

I know this is a complicated deal, I hope I clarified things.

Yeah that is quite a complicated one you have there.

VRs (and I'm assuming we are not talking the traditional beach or cabin rental) require a lot of day to day work, more money upfront, higher management and maintenance fees, varying degrees of complications and regulations depending on where you are.

The other loan is an interest only loan they gave me to do a flip that i have finished but wound up renting immediately after i finished (complicated and a story for another day).  

Drawing out the refi might complicate another purchase I'm contemplating.

I own out of state rental property in NY and will have a semi-complicated tax season as I've started my own business, will be harvesting some gains/losses, moved, have multiple W2's, had a child.