Something goes wrong they have a small loan in the middle of nowhere taking up a big amount of their time.If you are paying 15% to hard money lender maybe you should source a private lender at say 10% or so.I know most lenders on commercial won't touch a loan under 1 million, some under 2 million. 4.5 to 5% interest are premium rates in today's environment.If you could land a 6 to 7% for loans that small in those locations then likely doing well.

By the water is always more desirable but wanted to avoid losing my profits to potentially higher premiums. 

Niche's allow you to charge a premium because you have a unique fit.

Since it's no longer covering any rentals, the premium goes down by like $32, and still covers me personally.

Full search, perhaps additional risk premium.

You're paying a premium for a turnkey property. 

For the past 2 years I have been getting 6 month policies for flips and paying pretty high premiums.

You use the income from the FLIP to pay the premiums on the insurance policy, thereby taking the value from your properties and parlaying it into a tax-free benefit for your heirs (it's in a trust so it doesn't go through probate either). 

I think if you get a good bundle deal with lots of premium channels then you don't need Netflix.

Lastly, you may need to make adjustments, say the lot rent is 100 dollars low and they want a premium for the park .