@Damon AlbersI hate the alphabet rating system because it is such an arbitrary thing that boils down many important factors to one letter. 

I think the main factors you should consider in Florida are the following: 1.

Although as @Drew Sygit asks, what have those PMs that pledged to do it better now learned that may bring them back into line with main stream service providers? 

One thing to add is that when you buy a new build, your PITI will likely not be factoring in the correct state tax number.

What further analysis should I be honing in on and key factors/metrics/info that may be providing inaccurate numbers?

Several factors indicate the company is not that concerned about efficiency or ease of customer process: the website, a process that seemed to focus on one issue at a time instead of all issues at once, and consistently poor communications and lack of common sense from the loan analyst we were assigned.It started off very well with the initial point of contact, Austin Lornson, who did a fine job of explaining the general refinancing process, responding quickly and thoroughly to our questions.

@Jill KellerI personally owned and managed several rental properties, mainly one family, 3-families and been advised by a number of attorneys through the years to forget doing LLC's.

Really the main challenge is going to be making sure that your wife understands what she needs to do to document her hours and activities.

Insurance is just an expense to factor into your underwriting just like property taxes.

But they still suffer from interest rates and market sentiment factors.