Hello @Jerry A.Feel free to message me if you have any questions but I would seek out a broker who has access to over 220+ lenders to help do the shopping for you. 

Do your research, pick a market from research results not opinions.

I go to a shop and pay them, because I don't trust my mechanical skills, even with something as basic as an oil change.Any tax preparer anywhere, including franchises like H&R Block, should be able to prepare your taxes correctly.

I thought I was buying at top of the market in 2020...and 2022...but prices continue to remain high. 

If your not shopping you loan I feel you arent doing your job as an investor. 

Do you have any projections for what will happen with the insurance market for this year, or is it even possible to project? 

Lendbase, as a "correspondent lender" basically shops for and lends other Lender monies.

I recommend talking with an experienced broker who can help you shop multiple lenders  

If you have an older home that requires a lot of maintenance, you probably want to avoid the manager who charges a markup.I recommend shopping around occasionally to see if your PM is procuring fair pricing or just marking you up to make money without justification.As for expectations, you need to read the PM agreement and understand what is charged and why.

Find out the inventory of duplexes in your market.