We run a very successful insurance agency with a proven track record and a process and philosophy second to none.

Not too many Rentals, not too few, and I’m always looking for a fixer upper close to me.I have friends that use this similar philosophy keeping active and invested in their work like Rehabbing cars, and another guy enthralled with sail boats.For me; if it’s fun, makes me Useful, has financial upside possibilities, keeps me active and sharp, maybe adding to my life’s longevity...

It sounds like you are rocking on all cylinders and moving quickly towards building a sizable net worth.It also sounds like you have a systematic philosophy of building up capital, taking advantage of your current opportunities, and are on track to buy more property.

I've got 2nd hand experience in flood zones and it can be a disaster when hurricanes come or the flood insurance can kill your cashflow.My philosophy is to limit risk whenever I can so I stay away from flood zones or look for ways to mitigate that risk if it's a good deal.

My investment philosophy is to go for buy and hold positive cash flow rentals generating at least $150/m after accounting for every possible expense.

The markets that I may like may not be aligned with your strategy and philosophy. 

I dare say that the majority of people who follow Dave Ramsey 's financial philosophy have lower credit scores due to a lack of utilization and yet their goal is to buy a house with cash.

On the contrary, if you pick the market correctly, they should actually go up.Forth, and this is a personal philosophy, I don't like to hold any rentals (SFH) past 5-7 years anyway. 

Depending on you philosophy, we can either be really great or not so great.

I apply that philosophy to my RE investing.