And this also may be state dependent, as my  FL property is covered under a different carrier who has different available maximums for liability.

Obviously anything can be negotiated or it depends on what you agreed upon, but what do peers in the industry consider acceptable for this and whats considered unreasonable... 

Main questions should ask about the seller's:- Reasons/Motivations for wanting to sell- Desired timeline to close- Plan's after selling (relocation, reinvesting proceeds, 1031 exchange, etc)- Back-up plan in case they are unable to sell within the desired timeline- Reasons for not already selling to/with a investor or RealtorAdditional questions will depend on the type of seller lead i.e. pre-foreclosure, probate, fsbo, absentee owner, etc.Here is an example of a youtube search you can use to begin finding call recordings.There are 1,000s and you'll find that the best/most effective ones don't even sound like sales calls.

With 3 properties already, you're definitely not "new" anymore ;-) Doing a refi is very possible (depending on how much equity you've accumulated) to do those types of things...the issue can be the tax ramification that you face if/when you do it.

Depending on the zip code I was wondering could I gamble with them on a fix and flip or brrr.

If you renovate for a flip and then decide to BRRRR you will likely get less than you expect because the finishes will be too nice for a rental (depending on the neighborhood, it could work where you are in that price point).

It just depends what you are looking for though.

It will depend on your budget and if you are willing to take hard money. 

The DSCR scenario you mentioned doesn't seem too far off depending on the full scenario.

Perform the same task in each app to ensure a fair comparison.Load a property with pictures and details.Market that property.See what your marketing looks like from the public's perspective.Submit a fake application to see how easy the process is.Run a credit/screening report on yourself.Enter a maintenance request, assign a vendor, and attach a fake invoice.Enter charges to the tenant's ledger.Enter recurring charges and automatic late fees.Sign documents electronically.Run owner reports.After testing a few apps, one should clearly stand out.