Some of insurance provider quote 25% premium which is the minimum they hold if I end the insurance early.

Plus, insurance premiums are expected to go down by up to 50% due to the El Niño effect, which means fewer hurricanes are expected to hit Central Florida, and new legislation reducing fraud provides another great advantage.

- Do they provide a Perpetual Cost Segregation Evergreen Annual Review to find annual expenses from dispositions, additions, favorable changes in tax laws while also using the changes to drive lower insurance and property tax premium?

I use to be sold on the Umbrella policy but then you have to up all your insurance premiums to meet the Umbrella policy which kills your cash flow. 

The lender has also a put a 5 year prepayment premium on the loan, which I have a hard time understanding.

You pay a premium for quality properties, because they are low risk.  

They have mortgage insurance premiums, while with conventional loans you will need to pay PMI until 20% in equity.

If you choose a Direct Premium subscription with Hospitable, you get $5M worth of damage protection (powered by Superhog) on every booking2.

It's a bit old school but the price is reasonable. there're better systems out there but you pay for the premium. 

Pros:Potential for Bargains: Auctions can offer properties at lower prices than traditional listings.Speed: The auction process is usually quicker than traditional sales, with a defined timeline for closing.Transparency: The bidding process is transparent, and you can see competing bids in real-time.Cons:As-Is Condition: Properties are often sold "as-is," meaning no repairs or warranties.Limited Inspection: There may be limited opportunities to inspect the property before bidding.Financing Challenges: Securing financing for auction properties can be more challenging and may require quick approval.Auction Fees: Be aware of any additional fees, such as a buyer's premium, that could affect the total cost.I hope this helps you out!