I own two properties there, but insurance costs have skyrocketed.Lately, securing home insurance has become increasingly challenging due to the high risk of hurricanes, flooding, and other factors.

That will most probably be offset by an increase in new mortgage costs and increased rates. 

Meanwhile, the more partnership-heavy investors often experience setbacks but use the leverage of partnerships to rebound.To me, partnerships increase both risk and reward.

In larger multifamily investing it's about finding opportunities to increase revenue and/or decrease expenses to drive value.

I considered starting out house hacking a MF, but it will only increase my monthly expenses, not lower them or provide cash flow. 

Savings (in 9 months increase those $10K in as much as you can)2.

Often, they don't need to be moved in by the time of the appraisal, but if you have a signed lease, first month's rent receipt, and a receipt of the security deposit then the lender will often treat the property as occupied which can help increase your max loan amount in some cases.

It has increased steadily over the past couple of years and is now at 3.90%.  

Of course there could be some other local businesses that might would want to use or share a couple of the offices that would possibly increase revenue. 

By effectively utilizing space, we can often increase the number of units or functional areas within a property without expanding its footprint.