. - in this case, I will have more time to shop around for better loan terms/rates etc. 

I see buyers getting surprised by this often when buying older buildings.The more time you give an agent to quote the better the chances of getting a competitive rate - a lot of buyers start calling agents when they are going to close and want it NOW NOW NOW> you will pay more this way.Give the insurance agent a week or two to shop the rate and get the agent accurate documentation proving the age of updates to the roof, electrical, plumbing, hvac, etc and good photos of the property to allow them to sell the property to underwriting.A lot of people don't realize two sales are made for an insurance policy - one to underwriting and one to the person buying the policy.

For example like shopping around for insurance or evaluating the portfolio between cash value and replacement cost insurance.

It creates shopping lists and little bonuses like that so it has a few more things than the spreadsheet that comes with your Flipping/Estimating books.  

.- A lower cap rate might suggest a safer investment but with lower returns.🧮 What Is The Cap Rate Formula?

With the services they provide I feel that they would be a really great one stop shop but I was hoping that the people here with infinitely more experience than I could weigh in on this.

Definitely shop it around for diligence purposes, find someone you can communicate with, get an idea of pricing for what you have and where you are going.

.), so keep that in mind when shopping around.

I would like to focus on the safer nicer neighborhoods or even cities in the Metropolitan area of Cleveland.

I take it that it's safer to just assume that any letter from or call from a random number is most likely some kind of rip off?