However, the homeowner insurance coverage can bit steep at times due to the natural disasters down in FL.

At first, he communicated well, but after only 2 weeks of sending some emails back and forth, he said that his group did not "have the bandwidth" to provide us with "adequate support/availability". 

Natural to be nervous, but you need to embrace that.If location is truly great, learn to optimize the cash flow or be prepared to weather a minor cash flow storm.

You cannot typically have more than one FHA at a time but yeah you can buy back in if your credit score is adequate and your budget can handle the cost of a second mortgage. 

As you may know being local, SB249 is the bill that came up as a defense against towns like North Conway trying to shut down STRs, but it ended up in zombie state due to the sheer nature of diametrically opposed views on the matter and Governor Sununu’s push to do better than what the bill ended up proposing.Some details here: https://legiscan.com/NH/bill/SB249/2022As with all areas in New England I encourage investors to start thinking of oversaturated STRs markets as expense offset versus cash flow properties.

Lake Coeur d'Alene is a natural deep water mountain lake with an average depth of 125 feet.

Plenty of experience preparing multi state returns and handling things of that nature.

The nature of the remodel would make it somewhat hard to inspect if it was done right without being removed.

CAP from my calculation is +10% so naturally I am going to scrutinize.

Bakersfield is also massive with nothing naturally stopping outward sprawl.