Which would mean you loose money of the borrower immediately pays off, so not good at all.

Beyond that, any excess cash I have will either go into investments or into savings for a down payment on my next property that I can house hack again.

Even though we have good LL-T statutes in place in Florida, some judges play loose with them.

In the 70s, Cancun was a coconut plantation and there was close to nothing in the Riviera Maya. 40 years later, the Riviera Maya is one of the most visited places in the world, with an excess of 25 million people landing at Cancun airport every year.

If the insurance company sends me a two party check can I accept the excess funds without penalty?

Of course they still need to meet the other criteria, but I do think 5x is excessive. 

You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.

As a dedicated and hell of an agent, I find this approach is weighing me down with excessive work.Even as an investor, I struggle to understand their strategy which wasn't disclosed until after the fact (signed rep agreement) three weeks in.

MInut has a low average review (mid-3s I think) on Amazon which is a bit of a red flag. 1 per room at a total of $60/month sounds excessive for something that is not likely to be a common occurrence. 

Loose deck board or stair etc.