The only difference on paper is that the deductible for hail and winter storms is 5k instead of the 2,5k that I have with Farmers. 

That's missing the forest for the trees, but you do need to manage cash flow because if you're buying conventional you'll come across DTI issues soon and if you're buying nonQM it needs to be 1:1 ratio at minimum to be qualified without unfavorable terms. 

Rents that are significantly lagging market go up $75.I chose the Winter timeframe because no one wants to pack and move during the holidays and cold.

It doesn't make much money and I need to check on it for a couple of months every winter.

Markets generally slow during the fall/winter season.

STRs also have the seasonal aspect to it for the winter time in COS and long term rentals are steady. 

They are in Fountain Square, Crooked Creek, and Forest Manor/Audubon Gardens.I normally see expense ratios sitting around 40-50% for SFH's, is this accurate for this area? 

I need it for the winter time only.

Good for him to enter then, but to give that advice is completely missing the forest for the trees. ****, I married during the GR and divorced a bit post it.

Cash flow like this is usually D to D- areas, rough tenancies, and a groundswell of cap ex after you close and hit winter in Buffalo.