I am exploring this area and have heard some noise regarding the further limitations on beach access points along the coast, creating some havoc for str owners.

This also creates quite a level of security for our clients, especially seeing Several builders in the BTR space go sideways over the last few months and we are currently trying to help several investors stuck in building projects that are only half built.  

You most likely would not get access to them until disposition of the entire property/partnership interest of not handled correctly.

In a soft insurance market, coverage is usually broader, lower deductibles are more accessible, underwriting is usually more flexible, and premiums are generally aggressive / lower. 

.: Why does every company in the note servicing space have a website that looks like it was made in 1996?

You can get around that issue if you have a dedicated home office space that is used for the operation of your rental business. 

We have been delighted to work with thousands of investor clients over the recent years and our team has a culmination of over 30 years in the conventional and private money space.

If you want to have access to that money "just in case", a HELOC may be better.

It looks like R-25 Batts would be ideal being 8" thick to fill the space however R-25 is not readily available from what I can tell.

Some transport companies have house kats that can get off the road and onto the site for an additional charge or you can hire a third party if the access from the road is limited.