I have found it is better to use a Broker if possible so they can shop companies, and shop every year vs using a captive agent that can typically only sell their company policies.While it is good to shop, not always good to go with the lowest possible provider on insurance. 

We had a client that bought in Port huron and then ended up selling their property because they went through 3 PMCs and gave up trying to find a great one:(Some copy and paste advice below:--------------------------------------------------------------------------------------------------------Recommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Also, encourage you to learn from the mistakes of others - by reading posts here on BiggerPockets about owners not having their expectations met by their current Property Management Company.

I guess for me the dividing line is does it damage the function or cause a safety hazard if I leave it on the tenant.  

But if you are ever in town on the last Friday of the month, reach out.

Check out other online guides available here: https://www.biggerpockets.com/guides3.

From what I can tell online, the RF1 zoning district is designed primarily for single family row houses (like townhomes).

What we typically do during this time of year on our owner occupied non performing loans is not perform any legal actions between thanksgiving and christmas. 

The current 4 categories I have line out:1.

Your journey into short-term rentals sounds like an exciting shift—I can feel your energy for taking on a new challenge. 

Thanks @Robin Simon I plan on reproducing this strategy in 2025 to buy 3-5 more.