Florida should be busy currently with people staying in the Winter to get away from the cold & snow. 

There is still a trickle of traveling medical professionals, but I see a lot of relocation needs.

They wrote me Commercial policies with high limits....only $100 mo roughly, never had a problem.I would just ask the company that handles your current home's insurance....some will do STR insurance, some won't.

My Ex-wife currently lives in my fathers home.

Are your current investments in the area? 

I’ve done a couple of fix-and-flip projects in the past using a hard money lender (HML), which has its pros and cons.I’m currently looking at a couple more properties and trying to decide if I should go with an HML again or explore other financing options.

Just document the current condition before the cleanup process and follow any other local law or procedure that is in your municipality. 

I currently have 30k in cash and continue to look for a solid option to finance.

.- current f/f is around 6%.  

The current owner has to dig the floor out and replace the floor to meet spec.