Do they not understand what it means?

This is what I was trying to understand and it seems like a very bad deal for the investing community. 

Some of the core topics we hope to explore in our BiggerPockets profile include:- How our military experience has prepared us for the challenges of real estate investing- The process of getting started, from investment knowledge, to understanding different roles and titles used by real estate investors- The specific goals and milestones we've set for ourselves as we navigate this new field- The surprises, setbacks, and moments we encounter as we learn the ropes of real estate investingBy sharing our journey, we aim to provide a helpful resource for other newcomers looking to get started in real estate.

First, if I understand correctly, you considered conveying the property to an LLC but because of having to pay doc stamps you're considering conveying to a trust but you are having difficulty finding insurance if you do that. 

As someone who’s W2 is in the credit card industry I would be wary about this unless you have a really good understanding of how credit cards work and aren’t worried about impacts to credit score.

I want to understand the 25k special allowance.

Between market fluctuations, every so-called expert's economic forecast, and natural disasters…sure, I can understand that.

Specifically, I'm interested in understanding more about the operational aspects and strategies that have led to your success:1.

I understand the state of interest rates is giving pause to MANY would be buyers, but someone will ALWAYS need a home right?

You need to read more about Florida CCCL and understand that politics can change and become the same as CA.You will always need flood insurance.