Very few non-owner occupied property policies guarantee full replacement cost - they typically provide replacement cost up to the dwelling limit purchased. 

Both of you provided important information.It's true @Jason Wray that Florida is always a hotspot.

I should have mentioned that I am out of state in Colorado and I'm not connected yet to contractors that I trust to do a rehab.

So, you are working through 2 decision makers, not one.A Realtor can really provide you value in a transaction....especially your first one! 

I am not a tax professional trying to sell you my services I am simply providing my perspective. 

Instead of continuing to hire remediation contractors you should hire a hygenist to come in, do some testing and provide a remediation plan.

After several calls with some of the larger PMS providers, where I really took the time to dive into their products and compare features, pricing, and more, we've decided to go with Hostfully.

I‘m also happy to travel to speak to groups or provide 1:1 coaching along your purchasing experience. 

I buy most of my deals off-market, and for this particular property, I worked with a trusted broker who specializes in Harlem real estate.

We've sold 65+ homes and the biggest request we get from our Buyers is help with closing costs.Most of our deals we're providing anywhere between $5K-$10K to help Buyers offset the cash requirement to purchase a home.Even in today’s "high" interest rate environment, many Buyers prioritize closing cost assistance over an interest rate buydown.