Everyone else I've reached out to (home inspectors, gardeners, bankers) have gotten back to me within 24 hours, but I'm not getting anywhere with insurance agents.

To the west of Orlando - Winter Garden (pricier), Clermont, Minneola.  

I would also consider some other areas like Clermont or Winter Garden, both growing tremendously, still have really good schools and will be similar in price to the Oviedo area.

In a related topic people always complain about high HOA fee's but if you've ever looked at a long-term budget forecast from an HOA it has figured in the monthly cost to amortize 30 years of painting, gardening work, HVAC, road maintenance, roof, gutters, plumbing, fences, etc., etc.

Do the higher priced units with better views have a higher or lower occupancy rate than garden view units with lower rates?

Part of it for me is also liking the area i'm in and wanting a place that I can do what i'd like with - we have a huge garden here, chickens, ducks, and I have taught lots of classes here on sustainable living and gardening - you can check out some pictures of our projects at scfoodnotlawns.com.

I have dealt with just about everything a PM has to including murder, DEA busts, a two year old drowning in a pool of a house I managed, fleas to my knees, using a garden hose INSIDE a house to wash out the mess, fires, etc.... 

People were buying garden style condos for $2500 each and putting them on their credit cards.  

Renter is encouraged to create gardens and raise small animals, conditioned upon such use of the property being compliant with current zoning, and provided also that all animals shall be cared for, fed, watered, and housed by and at the expense of the renter(s).

@S ThakkarI’d partner with someone who has experience and then bring the money to the table.For a three story garden you might ballpark $105-$120 / nrsf on 850 NRSF unit avg.