I will admit they are better than some other big players, but can certainly find better rates out there. 

In the event your property does not sell, pivoting to a rental could be your best option and allow you to maximize return.

@Haley White that’s awesome you were in a position to be able to pivot and take advantage of the market. 

They already lost some major players due to the state capping rates https://www.foxbusiness.com/lifestyle/california-insurance-c... will all insurance companies stop coverage, raise rates or reduce what they cover?

Pivoted to a new market for my 3rd property where the entry price is low but revenue is moderate, average listing quality is poor, and occupancy seems steady year-round.

There are exceptions for very large projects where national players like MasTec (who bought IEA, one of the largest solar and wind installers in the US), exist.

Personally, I’ve been looking for ways to align creativity with the numbers, whether that’s finding undervalued properties, building relationships with local agents, or pivoting to new strategies.

No offense, but telling people "that's not a good way to do it" and nothing more seems like a little league coach who tells his players "you're doing it wrong" but then doesn't give instruction of how to do it better.

Lenders desperately need/want business especially in this interest rate environment (right now, the main source of mortgage loan business in Florida is rehab financing as a result of the hurricane damages) and one way the big players differentiate themselves is by streamlining the process.

So pivot to an option that the underwriting depicts a return that justifies the effort and risk.good luck