Do you notice a sweet spot both in property size/vicinity to the beach?

They seem to run a tight ship, but I don't know enough about specialty coffee or the industry as a whole.

A few additional savings hacks I layered w insurance, was to move deductible up and find break even sweet spot on annual premium.

This will probably mean at least 1k or more out of your pocket every month and if some kind of emergency happens, you will be in a really tough spot.

@Chris Seveney yeah you’re spot on.  

SB 721 launched an industry with its share of unscrupulous players.

Some spots in dayton you will see stuff like that which is why I always tell my clients beforehand what they can expect. 

Carrot is the most ripped off websites in the industry, so I know). 

In fact, given the success I had on my first commercial deal (bought, rehabbed and flipped an 18000 ft light industrial building and netted $500K in 24 months), I'm not even sure I want to do residential going forward. 

Take that and multiply it by every part of a property that can be damaged and you see why the insurance companies are losing so much money.To put it in perspective if the mortgage industry was losing money like this no one would be able to get a mortgage - period end of story.