Most standard insurance policies have $1M of coverage for liability - which is fine for a single house.Just make sure you understand the policy coverage LIMITATIONS: floods, mold, etc. 

I'm looking to understand the local market differences among the cities in Utah - Salt Lake City, Lehi, Orem, Provo (or others), for Single Family or small (2-4) Multifamily Rental property investment. 

I have friends and colleagues that manage airbnbs in the area and my understanding is that the price point for entry is lower and competition is not as high.

However, understanding the guidelines might help you.When it comes to a 2 year history of employment, this is really only required for self-employed.

I understand. 

With regard to any drug testing I think a good, thorough understanding of both federal and state tenant law is in order.  

To my understanding the commercial loans closer quicker and are an easier process overall with an average interest rate of about 5%.

It’s advisable to get quotes from local contractors to understand these costs better. 

Financing a primary residence is generally more affordable than getting a loan for an investment property.As far as your question on HELOC, or second home or investment property, I would need to discuss this a bit further with you to understand a few nuances better.

I totally understand not using a script, you're a natural and have it down.