This particular policy originally included three properties, and I successfully found coverage for the other two.Are there any surplus lines carriers you’d recommend?

Quote from @Andrew Steffens: I would follow the advice above to see if you can improve seated comfort but short of that I would not go and replace, at least not yet.  4 stars is good and it seems you will get more 5 stars based on 2 previous to bring it up. 

They said they'd accept a 6 month term instead, but they're not being very forthcoming about what their sales record has been (I asked for the last 12 months just to get an idea, but they ignored the question :( ) and I'm getting a not-so-great feeling about working with them....The home is 2-stories, attached garage, 4bd 3ba, 2269 sqft and sits on a corner lot with a huge backyard (lot is approx .13 acres or 5662.8 sqft).

Portsmouth, known for its historic charm, offers higher prices but strong demand for both multifamily properties and short-term rentals, with premium rental rates for well-located properties.

Over time, I’d like to expand into short-term rentals, buy-and-hold properties, and flips.I’d love to connect and learn from this amazing community.

@Meghan Carson i'm considering long term rentals and am not opposed to turnkey.

I'm based in WI and there are several people from NY investing here, some successful and some not---the common thread I see from the ones that are not is that they relied on someone else for information instead of investigating, VERIFYING and doing their own due diligence. 

You might also delay refinancing until the property value or rent increases, which could secure better terms or higher returns.

In both investing endeavors, I am open to partnerships/joint ventures.On top of buy & hold properties, I am also looking to step into the flipping space, as well as expand my knowledge on mid-term rentals (which is lacking in our Central Ohio market).

Some areas worth looking into:Centrally located neighborhoods like Alhambra and parts of Maryvale still have affordable properties with strong rental demand.West Phoenix (Tolleson, Avondale, parts of Glendale) offers good price points with room for appreciation.South Phoenix is seeing a lot of development and has solid long-term potential.Mesa and pockets of the East Valley can work, especially if you find something that needs light rehab but has strong rental demand.It’s definitely tough to get both cash flow and appreciation in today’s market, but if you’re strategic with your buy, rehab, and financing, BRRRR is still doable in Phoenix.