Your insurance is going to be highly variable and I wouldn't use what an agent or the seller tells you as the cost of dwelling policies have increased substantially over the past few years due to rising new construction costs. 

then manage them remotely.you also noted you want an STR, which is going to shrink the inventory that is viable for you and also increase the amount of competition you have.you may want to read these threads:https://www.biggerpockets.com/forums/12/topics/1215726-break...https://www.biggerpockets.com/forums/48/topics/1159104-overl...https://www.biggerpockets.com/forums/963/topics/1195280-expe...https://www.biggerpockets.com/forums/48/topics/1160450-run-i...https://www.biggerpockets.com/forums/48/topics/1137397-balti...i invest in Pittsburgh, and I would tell you: DON'T invest in Pittsburgh unless you're willing to come here in person and build your network. 

The shorter the prepayment term has an impact on increasing the rate.4.

I believe CA market in general is expected to increase by 4-5% but SF is unique. 

If you need more coverage, you can usually increase the liability amount on your current policy.

Generally, once you engage a Public Adjuster, your agent is out of the loop.  

Market AnalysisDemand: Red River Gorge has seen a significant increase in vacation rental demand. 

While engaging with the Bigger Pockets community, I've noticed many investors seeking funding.

With owner financing, depending on terms offered, we can increase that number by 10 - 20%.  

Right now, we’re seeing a slight increase in inventory and some corrections in rents, which could create opportunities—but achieving solid cash flow on a condo can still be challenging.Getting pre-approved is a great first step to narrow down your options and focus on locations that make sense for your goals.