That database is not regularly updated and the end result is an outdated "vacant" list.

Most investors get into it because they have built up income from their regular job first, so why throw all your eggs into one basket when you are going to college for free and can take tons of electives and still keep your major?

This was about $1,000 more than I accounted for in my insurance numbers so I'm wondering if I really need this type of policy or can I just get a regular homeowners insurance policy?

For commercial contracts, we or they use regular AIA contracts.

Not advising you, just speaking from personal experienceIf you do a lot of real estate investing under your LLC, where its a fulltime business and get to the point where there's adequate regular income, you may want to consult with a CPA about the option of electing to have your LLC taxed as an S Corp and take a regular salary and any additional distributions as dividends. 

Finds them and attend them regularly.

So if buying at a 7 cap and debt starts at 4.5 fixed with 25 year amortization what will loan balance be with regular payments in 5 to 7 years and what will blended cap rate be up to conservatively by then?

Don't forget to also add maintenance mark ups, both above the table and below the table ... of course they will not tell you about the mark ups below the table but if they regularly charge 2x market rate for standard repairs, you know the invoices are being marked up ... you may ask them for a list of repair costs for standard visits/repairs and compare to market rates.

In a regular action you can lay claim to non monetary items to be sold at auction to retire the debt incurred by the defendant at trial.

Regular carpet, not glued down.