You have to adjust your expectations to match current reality, which includes higher mortgage rates, higher prices, more expensive taxes and insurance, more competition, etc.

Your insurer could recommend one or you can check Google (and, of course, the reviews).

@Kenneth Jenkins you forgot to mention owners that expect a PMC to use contractors off Craigslist that are unlicensed, NOT insured and rarely have acceptable experience/skill - but, they quote the "best" price.These same owners will sue a PMC if using these types of contractors results in a tenant lawsuit.

I am very aware on investments in SMP500 ETFS, thats where all of my money goes into, I also trade via prop firms where I do not leverage much of my own money with no debt.

Low down payment (3.5%) is attractive, but comes with mortgage insurance and might not offer the best rates.

Private mortgage insurance i believe is not charged on va loans.  

Can you suggest an insurance company and contacts for our rental houses?

Compare this to your total monthly costs, including mortgage, insurance, taxes, vacancy and maintenance.

I have an attorney at a downtown Cleveland firm and I’m wondering if that’s my option to get the EM back?

What is on the insurance application that you signed?