Although from what I read, State Farm is rated highly for rental units. 

STR's are a great investment in this area, occupancy rates are extremely high in the summer, and very high during the spring and fall.  

Even if nightly rates didn't continue to rise over time, breaking even now would still be a free house in 30 years that I could sell and use for a retirement nest egg along with my 401k.

I would like a fee schedule where I would pay per call if possible, as opposed to a monthly rate since most things I will take care of myself, except those items listed above since I’m not in the area. 

Higher interest rates have made it difficult for buyers to secure loans, while sellers are hesitant to part ways with their fixed-rate mortgages.

Rent rates will go up, but your expenses should remain stable or go down.

Wait a few years and you may be able to do a rate and term refi to remove the PMI

Lenders are going to charge an origination fee and interest rate for each project.

Good (but few) opportunities are popping up given the current interest rate levels

Many builders are offering great incentives right now for buying down your rate permanently, and/or paying some/all of your closing costs.