So I have a co-living insurance policy at replacement cost with rental loss coverage - Steadily only works when its 4 bedrooms or less and they really don't want it (usually causes non-renewals).

@Zachary Overstreet The Real Estate Crash of 2008-2010 caused real estate prices to crash across the country - but didn't affect rent amounts.

If you do that you COULD trigger one cause or another with them, but buying with the intent of living at a place as your primary for a period is almost always legit - even if you're not selling your current home. 

or is it just the high interest rates and lower down payment that is causing this?

Even though you didn’t install the door or cause the issue, the property (and everything in it) became your responsibility the day you closed.

Thank you for the insight, my biggest concern is in fact the equity when it's done.

However, the thought of going into debt to start this adventure has caused my wife to not see my dream.

my bathroom caused a leak to the unit downstairs.

They always pretend to be confused and just want us to send someone.7) Some will cause damages that S8 won't require to be fixed, but will threaten to move if you don't fix it.

The S-Corp wouldn’t save a dime — in fact, it would cause problems.