I've never paid for anything on BP other than Premium or Pro.

You’re gonna pay a premium up there for that.

There is normally a partial release premium that requires you to pay additional proceeds towards the remaining properties in the loan.

Some of insurance provider quote 25% premium which is the minimum they hold if I end the insurance early.

- Do they provide a Perpetual Cost Segregation Evergreen Annual Review to find annual expenses from dispositions, additions, favorable changes in tax laws while also using the changes to drive lower insurance and property tax premium?

Plus, insurance premiums are expected to go down by up to 50% due to the El Niño effect, which means fewer hurricanes are expected to hit Central Florida, and new legislation reducing fraud provides another great advantage.

The lender has also a put a 5 year prepayment premium on the loan, which I have a hard time understanding.

I use to be sold on the Umbrella policy but then you have to up all your insurance premiums to meet the Umbrella policy which kills your cash flow. 

You pay a premium for quality properties, because they are low risk.  

They have mortgage insurance premiums, while with conventional loans you will need to pay PMI until 20% in equity.