You can overcome this by putting more down, which reduces you ROE and COC return, but if the appreciation is good enough you can make up for this with overall returns over time as rents increase and the property appreciates.

It just perpetuates the cycle of insurance and cost of living increases here in Florida.

There might be Some exceptions such as you did a bunch of repairs/improvements which increased the value of your home .

I would love to keep it as a rental but at this time I think it would take too long for the rent values to increase enough to make sense Worst case scenario is I have to hold the home for an extended period if the market decreases short term. 

., "What happens if I increase rents by 10%?")

All these "mentors" or "coaches" or "consultants" you see out here on notes writing books or whatever, are not teaching finance, or law, or taxation, or even personal finance, much less foreclosure law, safeguarding collateral, evictions privacy laws nor brokerage laws.

Quote from @David Krulac: Why are your rents increasing so much right now?

By offering strategic guidance, the broker helps investors make informed choices, ultimately increasing the likelihood of project success.Finally, a good private money broker understands the importance of post-funding support.

-Do the area demographics support occupancy and higher rents (population growth, low unemployment, low crime, increasing wages)?

Potentially a 'exclusivity in exchange for reduced fees' or 'reduce per-visit fees as the number of calls increases.'