Weather also makes insurance more expensive - wind and hail damage properties. 

Then they won't need an upfront payment for work they haven't provided yet.Also, get a signed contract, copy of the drivers license, contractor's license and be added to their liability insurance.

I purchased flood insurance on a Zone A property in July this past year on a house that had previously flooded. 

Quote from @Carl Rowles: Aside from the stigma of them, it seems like they’d be a decent entry point for new home owners, given the housing market the way it is.  

You need to carry a special type of health insurance, not the traditional kind.

That way you're not only reducing your daily balance on your principle, but you're also building equity in another investment at the same time.then, of course, there's the life insurance option...lol.You may be better refinancing, but then you have closing costs and you are forced to always make the higher payment.

I'm light on capital so paying a mentor isn't an option, but happy to split revenue (pay as I learn).I don't currently own in Florida, but from what I've read, the challenge is in even getting insurance.

Title insurance, if paid by Buyer6. 

These markets tend to attract a lot of investor activity, which can drive prices up, leading local homeowners to take on more debt to afford homes in their area."

Homeowner's Insurance 8.