Now we are mostly scaling our business with larger communities but I've used many different creative finance strategies including seller finance, private lending, hard-money, collateral from other properties, and lease-options. 

I have been listening to many different BP podcasts for about 4-5 years now.

I totally agree, big investors can go nationwide, but knowing the ins and outs of your local market makes all the difference.

These will also have different mature/resell dates. 

Does this structure make sense for investors, or would you recommend different terms to make it more appealing?

I've replaced a few over the years, each different for different size properties around Idaho Falls, ID.

Also, insurance companies rate homeowner's differently from landlord policies due to the fact that you live there. 

Evaluate the situation to see if you could have done anything differently to mitigate the loss and implement changes to your processes, but know that this happens and hoepfully just not too close together. 

Everybody is different, but the climate is tougher now as carriers begin to cull customers to eliminate unprofitable ones.  

Be sure you are comfortable with the math and know exactly how much you should be getting depending on how the property performs at different levels.