I wouldn't be overly concerned that it's surplus lines carrier but I'd be VERY concerned that the agent didn't mention it. 

Retaliation is a concern for me here as well. 

@Jonathan Thomas, I don't understand your concerns here about losing money?

If privacy is a concern, consider the state’s rules on anonymity and how they align with your goals.7.

My biggest concern with cost seg studies that produce a large rebate is does that flag for audit.

While we lean heavily on the pro's  for repairs and estimates it makes it much easier when we know the typical issues and concerns on the plumbing, roof, electrical etc sides of a property. 

The more concerning thing to me is that you've modeled insurance costs as fixed.

i am also a little bit concerned about renting, cause I heard a lot of cases where tenants didn’t pay the rentHow do I protect myself from this? 

@Spencer PerronYes, I would definitely have concerns about future financing as you mention.  

THIS IS NOT LEGAL ADVICE.Highly recommend discussing with an attorney if you decide to pursue any of the above.Thank you for the information and that was my concern.