@Christopher Reynolds My mantra has always been, "Live where you want to live; invest where it makes sense."

Quote from @Brendan Jones: For the homes, and or properties that you will use as a primary or a rental property one big thing I look for is infrastructure in the area, extrinsic value (I.e. hospitals in the area, schools, and job market), and the last thing is creature comforts for people (I.e. is a store to get groceries 1 hour away or 2 minutes away).

Southwestern Michigan offers plenty of charm and is a destination place but would definitely make sure your ROI makes sense based on your long- and short-term goals with the property.

I know that there's some other people on this website that may be more familiar with it though.

Some people will say, "Take out a quality Insurance Policy and you will be protected."

Based on this experience, I feel I have a fair sense of what pricing should look like.Do you have any supplemental carriers you’d recommend?

You also want to go to real estate investor meetups to get reps with people who do what you want to do.

I have reached out and spoken with the HOA management property manager myself, and just keep getting BS excuses and no sense of urgency on this matter. 

As an engineer the formula makes sense to me!

Learn what people are doing right now in this difficult market and find a way to replicate their success.A lot of people say they are actively investing.