Talk is cheap.So my last purchase (Dec 2031) was the extreme negative cash flow.  

I'm opening my second home and find them extremely rewarding but think I may stop at these two because I am extremely involved in them and am spreading myself too thin I think. 

That is an extremely difficult accomplishment in the near-term.

Note local rules could be more extreme.  

BUT, being sued, and loosing is extremely rare if you're reasonable careful.

Im sure you know that philly is very neighborhood specific and markets are extremely hyper local.

The rep became extremely rude and verbally abusive on a phone call with myself and my agent..

That's extremely helpful. 

Insurers have become extremely conservative over the last year.

We have reached out to the city and they have provided some information about grants but that seems extremely complex without much chance for success as we would be first timers.My question is what options are out there to help with this situation.