Insurance has been crazy in Tampa and im curious to know if anyone that does buy and holds has any good insurance companies they can recommend that aren't charging outrageous rates.

It's likely accurate because most lenders aren't inclined to allow someone to assume responsibility for payments without their approval.

Contact the state and federal authorities responsible for oversight.

In both cases, you are authorized to enter and take possession.

I was thinking it may be closer to a "wash" or, maybe only slightly more only bc w/ a duplex at least we aren't paying for two exterior wall materials for two sfh?

I then let them know the authorities have been notified.  

You aren't going to get the best options posting that here.

You can get a million more applications on Monday morning, it's irrelevant if the applications aren't qualified. 

To a point where I even gave an authorization to send you a full refund for the three months of us working diligently for you during your five-month journey with us.I can proudly say that from the Lead flow of 20 + qualified leads, we met this target every single month.

If they aren't willing to bring their property to the standard that you know would make a difference in bookings, don't take it on.