If managing the STR is no longer sustainable @Robbie Shiver, here are a few alternative options to explore:Mid-Term Rentals: Consider marketing to travel nurses or corporate relocations for stays of 1-6 months.

There are likely at least subtle differences between those proposals.In terms of good and bad experiences, you won't find an insurance company that doesn't produce happy and unhappy customers.  

Customer service is A+.

You are now the owner, not the customer.  

If the structure changed I think bank rates would go down and banks would compete.. keep in mind also at least with my deal in BC you also opened accounts and they wanted you as a customer for life ..

In my experience like other things you get what you pay for. if you go with the companies that are charging super cheap rates - 5%, $100/month or something like that they don't have enough income to sustain a supportive team to actually help you manage your home. 10% is the going rate it seems in the city and that is where the better companies tend to exist. 

These were custom homes & when the subdivision grading was done we did not know the size of the homes nor their driveway locations.

P and Z  is on board as this will increase the financial  sustainability of my small farm.

Can you sustain the loss for a few years and repairs/turnover costs that can come up?

Good points, I would just insert that most delays nowadays are not the fault of the contractor, but rather the customer who is constantly changing things in the original scope of work.