If I go with the 5900 policy I will be operating at a loss and I will be forced to sell the house. 

Also, you are buying property at a loss from Mom.

I've gotten Proper insurance in Palm Bay for building, liability, loss of income, etc. for around $2800 WITHOUT wind and paired that with a wind-only policy for also around $2500.

You may have current or prior years losses that would offset some of your capital gains.

Over charging on repairs can be the difference between profit and loss for a lot of smaller landlords.

Just got an email that they want us to put in another 26% of our invested capital or it is going to be sold at a loss. 

Many of us, including myself, have faced losses with crumbling deals.

My realtor is worth his weight in gold and works very hard when I have a deal going with him.

I have 2 long term rentals both at 7.5% interest rates.1. estimated value: $950k, outstanding mortgage of $574k2. estimated value: $900k, outstanding mortgage of $514k#1 cash flows nicely for me at $2500/mo, but #2 leaves me at a $400 loss each month, mainly due to the interest rate.

You might add the weighted interest you are currently paying, to see if you actually save money by refinancing your primary.For your 1st investment property, if you want to do a cash out Refinance on a DSCR type loan, you will need to get a minimum loan of $70,000, at 6.6%, you would need to have the property rented for a minimum of $900/mo, assuming taxes are about $2k/year, and Insurance is $750/yr.