If the lender contests the funds release and don't choose to release the escrow funds back to you, it can get tied up in litigation and after 3 years will be surrendered to the state by the title company.Your best bet is to go with a legitimate company that will be up front and transparent with you about the terms and costs before you are already committed.Seems like everyone is telling you the exact same thing so I really do hope you make the right decision here.

Just weigh your options with an experienced agent, and choose what's best for you.The only thing I might suggest before you pull the trigger on complete removal of windstorm coverage altogether, is to see if you can get quotes with 3% and 5% deductible options. 

Agree with much of what's been said, but especially the notion of choosing your investment class first AND your goals...are you looking for income?

I like the Midwest when it comes to choosing a market.

If a bank chooses to lend on the POH value it may be at less favorable terms than the land value (10 or 15 yr term versus 25 yr for example).

They want that same vibe in the home they choose.

You can choose to retain their services, or not. 

Who would you choose, what would you look for specifically and where would you look?

@Zac LindquistNo VAs are used here; I think I will self-manage as long as possible.My occupancy would be close to 100%, but because of house hacking, sometimes I choose a gap between TMP contracts so family can visit.I only list on Furnished Finder (FF).

There are lots of areas you can choose but be sure to check out places like Lakewood, Old Brooklyn, Brooklyn Centre, Cudell, Edgewater, Jefferson and West Boulevard.