Quote from @Scott Trench: Why not lend? 

There is an incredible amount of points to consider when weighing the options on something like this and honestly, I don't recommend it to very many people at all ....even seasoned tradesmen and investors.

I believe it to be a little Southern California hidden treasure for cashflow, mainly class C but if you know what you are doing its a really good option to invest locally in CA with decent returns.

HELOCs or traditional financing may also be better options to preserve retirement funds while minimizing immediate tax liabilities.This post does not create a CPA-Client relationship.

My agent is saying that we are unable to split the contract that way (or reduce the purchase price), so I'm trying to figure out options.

Does Baseline give you the option to track expenses without attaching it to a particular property?

Lots of people in higher risk zones are seeing 100%+ or even canceled policies with no option to renew. 

So yes, you can fix and flip, or hold as a rental, or whatever.Thank you, so market auction is the best option in your opinion?

Is the option government supplied insurance where taxes supplement the insurance?  

I am currently 21 years old and was recently hired with my dream job in Sarasota County (I saw that Sarasota wasn’t an option so I picked the closest.)