Thanks for this insight.

This is our first shot at a property so we'd really like to get some experience in while also making some of our money back in the cash our refi.

I had one claim earlier due to this getting rejected to cover the property. 

Cash is king when it comes to buying homes in the wholesale market, and this rule also applies to many other scenarios.

Hope this helps!

Someone just sent me this- https://www.nytimes.com/interactive/2024/upshot/buy-rent-cal...IF, and a big if...

This will give you both enough information to get started.https://www.epa.gov/mold/brief-guide-mold-moisture-and-your-...

What are best corporations or banks to use for this?

I agree with this high level (Private Money = Individual, Hard Money = Company Non-Turnkey Product).I've been begging (mostly to no avail) for better clarity and definitions here for these to avoid confusion - BiggerPockets IMO has a HUGE opportunity to set and create the "gold standard" universal definitions of loan types with just a little initiative. 

Nothing wrong with retail employees (I spent some time in the retail trenches like most everyone), but they likely wont have this knowledge.