Dear friends, I have been receiving inquiries from insurance company, temp housing company, and random clients in FF asking for the exact address of the house, then I don't hear anything back after I gave out for a few times.

This is the same company that says STR are recession proof.

Half the crew are driving company vehicles and receiving bonuses on top.  

I was not aware that insurance companies could void coverage for this issue.

To get the underwriting based on solely a new appraisal, you'll need a ton of evidence - enough to convince an underwriter or risk officer who gets to make the call purely on internal company policy and not tied to conventional or govt published guidelines.All this being said, if you're already at a 1.0x with the current appraisal for the loan amount you want, going to 1.1x or 1.25x would only be marginally beneficial unless your lender wants 1.25x for some reason. 1.0x is generally enough to fund for most investors at or below 70-75% LTV.

For some reason they show like 500k+ in transactions reported.

@Ryan Ness Be sure to check with your insurance company before closing regarding the knob and tube.

I hired an engineering company to provide the following for the Floodway Permit:Topographic SurveyFloor CertificationNo Rise CertificateElevation CertificateThe biggest issue for me was the wait time. 

Please do your OWN due diligence, and be wary of any company with the initials NW

Yes, in some markets big companies buying properties can have a noticeable affect, but it isn't likely to be forever or as pervasive as you think at this moment.