What I think is important is to know what your financial strength is purchase the property to structure a loan to best fit your needs or come up with a strategy to allow you to buy the property say in a lease with an option to purchase.

Not care, introduce legislation to bridge mortgage insurance requirements with lack of providers, get in the insurance market themselves?

Also, what strategy do you intend learning/using for your first investment property?

I am totally new with fix and flip strategies and I am considering mentorship programs but I am not sure if they are worth it. 

I have some ideas like giving their number out to wholesalers or whoever texts me 10 times a day asking if I need help finding health insurance, but I'd love to hear your ideas as well.

Assuming I can get financing, should my strategy be to lower my offer price and cover the reno myself?

@Robert StoneIt's wonderful to learn about your cash flow strategy and your interest in real estate investment.

As Brian suggested you should discuss your strategy with your CPA.

They'll add value to the deal, refinance, and repay their investors—a strategy implemented repeatedly for value-add/distressed deals.

Escrow or settlement can also vary a little bit but it's all the and a' fees that vary: CPL, deeds, HOA docs, any special lender requests, troubled payoffs, insurance documents...A $200000 purchase with $175000 loan here is general estimate :  Buyer $714  Seller $1073 Going smaller sale price won't reduce the costs much as some fees are minimum floors.