Insurance is definitely an issue there, and will continue to be.

The only issue is the interest rate is 7.125%.

A freak.Those who own larger commercial deals, I would venture to say 1% or less maybe?

If you decide to sell and find an investment property with a greater cash flow potential.A 1031 exchange would allow you to indefinitely all of the tax and use it to your advantage to reinvest into larger nicer property/properties.

The issues really happen when it's just R.E. agents begging for some $, pitching "I can do that too" and in reality there in breach of NAR codes because they don't have proficiency and expertise in it what so ever.

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.

Hey ScottWe are primarily in the Tampa market and notice our larger homes that are non pool suffer as well. 

Investors obviously want their properties rented with no issues but they also want to be in the know and have a good line of communication when things come up.

What is as important is that you require the insurance to be issued with you as the landlord as "additionally insured." 

Renting could allow you to focus on paying down debt and saving for a larger down payment, while buying now could help you start building equity or even generate passive income through house hacking.