@Sharee Mason  If I understand it right you're saying use HML for the downpayment and another lender for the rest -correct?.

Also, I actually think that when landlords try to put the repair costs on the tenants, it just ends up encouraging them NOT to fix things that are broken (or fix them correctly if the correct fix would be too expensive) which could, in turn, cause bigger problems and more expenses for you down the road. 

Now, sorry to the innocent newbies asking questions, but there are some really bad ideas and information on here, I'd rather see you learn correctly and stay away from civil suits, fines and jail.    

Prior to 5-2-16 for the last 2-3 years my name and address was correct, perfectly fine and spelled correctly.

And you are correct that it is unlikely renter's insurance would cover anything short of the tenant's personal belongings in the event of the property burning down.

The correct answer is "It depends".What are your short and long term goals?

You are correct that you may need to vet them but they will, most certainly, need to vet you.

daren yes,  thats is correct.

.- Make sure your rehab numbers are correct

You might spend 350 for the hour and not get this deal but you then have the correct knowledge for future deals.