You came to the right place, Kwanza! 

@Richard Schubert If the house next door is a solid enough deal you could always raise the money from people in your network to tie it up.

The owner occupant rate is super low compared to many states but as a rental it goes up alot.  

Expense ratio, as others have stated, often ends up evening out these fluctuations in each expense and can often times be a more accurate predictor over many data points.

In the city, closed sales were up 12.6%.

On the surface, it’s a game-changer.

Do you envision coming back? 

It certainly will help me to know what to provide for investors when the time comes. 

State up front you're a Coach in your post, then the obvious answer is yes from your perspective. 

I'm coming up on policy renewal and, unfortunately, Obie no longer has a realationship with that carrier so I'll be curious to see what they bring to the table as other options.Overall, nothing negative to say about them.