If you list hard and fast terms, your sneakier people will conveniently leave some of their animals off the application. 

Not surprising with the increase in rates and then banks unwillingness to help the little guy out.

A mixed way is often best, with plans for money coming in and extra backup for any surprises.

Surprisingly I think I like the SFR, (lower maintenance costs and tenant interactions per cash flow dollars).

I"m surprised to hear you haven't had issues as Volusia and Daytona have been crazy with stopping STRS lately. 

Less surprises and less "cooks in the kitchen" over however many years.

@Collin H.With credit card defaults and auto defaults on the rise as well as overall debt - people will start tightening the belts and first thing they will get rid of is spending on travel and vacations etc So reading this I am not surprised - how has 2024 been compared overall to last year ?

I'd be very surprised if you have full replacement coverage if all of the factors you listed were in play when you purchased the home/policy.Filing a legitimate claim won't make you uninsurable.  

Does this surprise anyone? 

It might surprise you, but investing overseas could bring in much more cash flow and appreciation than you thought possiblehttps://www.youtube.com/watch?