Although Homeowners losses are infrequent they can come in groups (usually due to weather). 

Well they were back logged, so we closed in October of 2017 and the rehab wasn't going to start until April or May of this year, depending on weather.

I have been patiently waiting for the weather to warm up so I can finish the last piece to my flip in the metro Detroit area.

There was a fair amount of gang activity there which caused quite a bit of trouble for a lot of the developers there initially but once they started hiring a lot of them and getting them off the streets, the resistance has improved a fair amount.

I miss the hot Valencia weather.  

Were your sellers resistant to your request?

I have my eyes on a couple properties $40-$50k range and need to move with the weather soon to break.

Weather and affordability are usually the driving factors.As you pinpoint places to invest in Florida I would also consider areas like West Palm Beach, Fort Lauderdale, Cape Coral, Sarasota, and even Tampa.

Weather is too hot in summer 2.

You'd be better off finding some other route to spend your extra cash flow on, rather than accelerating the pay down.There is no reason to increase your equity position in a non-appreciating market as it's likely resistant to the market downturns as well, so less risky.