From my research, we might not need to upgrade the gas lines as they are adequately sized.

Definitely the way to go on rental properties if you are an out of state investor NOT looking for an enormous undertaking with a BRRRR type scenario or investment of that nature or part time or full time job.

I would be more focused on getting adequate insurance coverage.

My second slow season I decided not to rent it out because the propane bill to heat the home wasn’t worth the hassle, this last slow season was record snow and many homes lost power and heat for several days, it was categorized as a natural disaster.

The author and article suggests to utilize the climate risk data before committing to an investment and be familiar with specific risks in your area—whether it’s floods, wildfires or heat waves.They recommend these valuable tools to assess these risks:FEMA National Risk Index – Provides a comprehensive overview of natural hazards across the U.S., including floods, earthquakes, and severe storms.USDA Wildfire Risk to Communities – Offers detailed insights into wildfire risks for homes in specific regions, particularly useful for properties near forests or dry areas.Risk Factor – Analyzes flood, fire, and other climate-related threats for individual properties, giving you a risk score.Climate Check – Delivers property-specific climate risk ratings, covering heat, drought, fire, and floods.Do you consider environmental factors like flood and heat when investing?

I know to give adequate notice before entry and would like the tenants to be there at the same time.

Does anyone know of an online insurer that will write specified actual value policies that would allow me to choose the actual value that is adequate for my program?

I have found that by adding value, people come to you naturally over time. 

Last year we passed on purchasing a duplex in Sarasota despite the great price, solely because of natural disasters & insurance risk.

When they have a listing that are similar to properties I own, I want to be foremost in one's thoughts as the natural buyer.