@Jay Hinrichs I know you can build on them but it seems like people just by them a lot so it made me think they provided something special , thanks

You might find this recent article very helpful in changing some of your assumptions on the housing market: https://www.economist.com/special-report/2020/01/16/housing-is-at-the-root-of-many-of-the-rich-worlds-problemsGood luck and PM me if I can help you.

You may get quotes for different coverage levels (Special form vs Named perils) and different valuations (replacement cost vs Actual Cash Value).

Best thing to do would be to reach out to some local builders that specialize in each of the different types of buildings and meet them on site to discuss so they can advise on any potential issues there. 

First the condo fees cut into your monthly budget and you may be hit with special assessments depending on the condition of the complex and who runs it. 

Does anyone have an accountant that specializes in dealing with small investors?

Sometimes you will be lucky enough to speak with a knowledgable Special Assets Officer that actually has the authority to negotiate a discount, but those are few and far between.

If you can't bear to think of yourself and accept yourself as someone who isn't a magical, special rainmaker in all ways (and there are many, many people who absolutely NEED to believe this about themselves), you're simply never going to get anything done in real estate over the long haul.

I always recommend using XY Planning Network's Find an Advisor Site (I see one who specializes in working with real estate professionals).https://www.xyplanningnetwork.com/consumer/find-advisor-new/?

I'm guessing they will try to strip the house while they still have possession.