He represents several investors in new castle and Kent counties.

I would ask your buyers agent, as they represent you in the transaction and should have your best interest in mind. 

Which(Florida) appears under represented here.

When you buy a property with a GR - you can depreciate 100% of the purchase - you don't have to take out 20% that represents the ground since you don't own it.So -- here is an idea - when you buy a house - have the seller create a ground rent (small one) and you are able to depreciate 100% (check with you lawyer before trying this).

At the asking price of $10,850,000, the loan represents a 94% loan-to-purchase price ratio.

My husband (as the sole borrower) had to then list me as an "authorized representative".  

If you're having issues finding somebody who insures rentals at a reasonable rate, ask your broker for the other options that they offer other than the big name they represent.

My advice would be to find a property manager that also represents investors in the purchase/sell of properties in whatever area you plan to invest and try to develop a relationship with them.

Either the numbers work or they don't, so what an ultimate property tax assessment represents on an item by item basis I don't see as particularly relevant.

Did you have a Realtor who helped you buy or did the seller have a Realtor represent them?