@Jack MiHi Jack,Seeing that this is "Post # 1" for you - I have to ask, how familiar are you with syndications and real estate investing in general?  

So to clarify the how, why and what of hard money loans, I have outlined a very simplified explanation of where we as a hard money (commercial real estate ) lender come in1.

Honestly, while I haven't been doing this for decades like many folks here, I believe this is likely how real estate investing has always been.The last ~15 or so years were an anomaly and we may never see easy money like that again.

I have been able to find companies that will cover real estate portfolios on one policy in other markets but no luck in the Florida market.

Upside: you have now a loan that is being paid down, equity that is growing, and probably some appreciation and you learn how to buy and manage real estate which in itself makes it worth it!

We focus in 12 markets in Florida, including SW FLWe are a long time property provider for some of the bigger podcasters: Real Estate Guys Radio, Marco Santorelli (Norada), Kathy Fetke (RWN) Jason Hartman ( Empowerd Investor) GRE (Keith Weinhold), Whitecoat Investor Group, Jake & Gino and more We have built over 9,000 properties and work with over 1,000 investors We also work with American Homes for Rent, Invitation Homes, Crescent, Haven Realty (JP Morgan) to name a few on the institutional buying side.

Even when you don’t have a real partner.

Concentrate your education on real estate principles, real estate law, and real estate finance2.

Do you have a good investor friendly real estate agent in your area you can ask if they have a referral for a good insurance broker?

Quote from @Jake Dunsmore: Hey Tony, I am a investment real estate agent here in Kansas City buying/selling off market deals very frequently.