I would check with your insurance agent and the city.

@Lillian Pintaro,Birmingham’s a lucrative market—it’s been my stomping ground for nearly 20 years, and you can find some excellent deals if you know what you’re after and dive deep by zip code, neighborhood, and city block.For what it’s worth, we manage 2,000+ units (many for out-of-state investors) mostly in the north and west part of town—so think suburbs outside the city limits like Graysville (35073), Adamsville (35005), Mount Olive (35117), Center Point (35215), and the like.Since you’re also open to the surrounding areas, places like Odenville (to the east) and Tuscaloosa (to the southwest) could be worth checking out.

You can also check out a group on Facebook with other investor like your self called Yellowbird.

I did try my local banks but will check to see if there are any I missed. 

Theres someone living in the side that I will be occupying until the 1st of February, but since I JUST became the owner, would it make sense to reach out and ask them something like "Hey its __ the new owner, just checking in to see how you're doing.

I suggest you check out Chad Griffiths and Jonathan Hayek.  

You'll have a small empire by the time you are 30.However, being a landlord involves a lot more than just collecting checks.

Always good to check before you cash out the 30-35k, which I honestly would not do with the drastic change in PITI, numbers would be tight even if you rent out the unit you are currently staying in.

I will check this out!

If they are adjusting the amount they can lend because the margins are too thin or telling you the deal metrics are not checking out it is likely due to the expected earnings not being sufficient.