@Ben Cochran I hope you have factored STR tax savings into your cashflow and ROI as it can be significant.Leveraging equity to purchase a short-term rental (STR) in Tampa Bay can diversify your portfolio and potentially generate strong cash flow, but it also increases your financial risk.While your properties hold significant equity, adding debt from HELOCs or a DSCR loan could strain your finances if STR performance fluctuates or costs rise.

I also renovated houses and own an interior design and renovation business. 

The big distinguishing factor between Rockwall proper and Royse City is school district.

The best market for YOU, is the market that fit's YOU; you're situation, your preferences, you're resources, your knowledge level, you're risk aversion and about 40 other personalized factors to you. 

Please note the information provided below is a layman's definition designed to provide a basic understanding for the general audience.

They have some things designed for higher end investors.

Many people just ask the rates because that is the probably the only factor they know, so it's important educate them how several factors can also influence the rates.

They got Jared a policy that ran around $4,100 a year, which wasn’t exactly pocket change, but it felt like a workable number once he factored in the premium he could charge per night.

If you're happy with getting a note on ANY house in FL you might have more luck, but then you don't have as much control over the condition of the property or its location if those are important factors to you.

Market fundamentals and economic factors seem strong and promising.