Even if a family has high coverage, the insurance adjusters still want the lowest option so it's important to also be competitive. 

This is great to learn @Katie Accashian   I just spoke with FF rep yesterday and of course they were heavy on the sales pitch to get me on there.  

Research competition  and determine their profitability and how much they spend on marketing, how many employees they need, and how much time the wholesaler needs to devote to the business.  

Depends on really what you are looking for:-Speed - some HMLS can go "no appraisal" so can close very quickly and beat cash offers if you are in a competitive market to buy-Interest Rates - can range anywhere from around 8% to 13% (same with "points") but not usually as huge of a concern for flippers since the terms are so short-Leverage - depending on your risk appetite / capital - this is also a top concern for some (almost always over and above rates/fees) can see anywhere from around 80% LTC to even mid 90s LTC (including 100% of rehab budget)

It will take criminal legal action or very heavy civil penalties to stop what he is doing, which is marketing dreams and selling crap.What is really interesting is that he recently posted a video from a "satisfied investor" saying how happy he is with his renovations. 

After identifying the property’s potential, we negotiated a competitive purchase price of $28,000 by highlighting its renovation needs.

For doing an STR well the larger properties are best and it needs to stand out amongst competition to perform well. 

Then you have a competitive advantage.

I find myself spending a little more off season than on as I do more tweaking and research to remain competitive and in front of eyeballs.  

Columbus is going to be the best option for a market that's seeing a lot of economic growth with heavy appreciation and a little cash-flow in certain areas.