They should know more than the people at a big box store and be able to recommend a good one. 

Typically when people graduate they look for a job and move to the area of the job.

People have been dropped by insurance companies in wildfire areas and had to scramble to try to find insurance - some using California Fair Plan. 

Remember egress/ingress are the real big deals here, both people getting out and firemen getting in.I would pass.

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.

I've been sending people to a Realtor/property manager in Sacramento.

These are the people that can bring you good deals and advise you on the areas of Cleveland. 

Loan officers with 25 years of experience typically are more experienced, and have less time per file, because they have an abundance of files.Loan officers with 25 months of experience typically are less experienced, but have more time to devote to you.I can't write my own loans, so when I'm getting a loan I prefer working with less busy people when I'm doing my own real estate investment, they're more responsive and dedicated it feels like.

That will be a determining factor for where it makes sense for you to purchase.Regarding waiting - bear in mind a lot of people were predicting rates in 2024 would be in 5% range or low 6s, which didn't turn out to be the case.

However, does that include people who wouldn’t qualify?