Additionally I would add a benefit for you is that you're in great area to be able to invest locally and can invest in your own back yard as they say.

Multifamily and with strong retail tenants as a bonus. 

On the positive side, it seems like you have a good potential BRRRR that you can use to purchase additional properties.

Additionally, collecting the tenant’s portion of the rent (not covered by Section 8) can be difficult.3.

Are you saying the current property being exchanged has a debt of $200k and you need an additional $200k to purchase the new property? 

In addition to submitting your documentation I'd get a plumber to state in writing that the windows being left open is what caused the pipes to freeze.

I'll look into VRBO as an additional platform as well, thank you!

In addition, I presented his was not the usual use case because he was unleveraged.  

You may borrow an additional $35000 for hard cost improvements.

These are just some of the additional items that will have a significant impact on carrier's rates, your premiums, and whether we start to see the insurance market soften anytime soon or not.