Appreciation (based on their calculations) is mixed:Unit 1 (LTR) - 36% increase (owned for 29 months).

Of course i understand not everyone can just change dates like I can based on their job..

so many people on BP have put a really strong foundation in place with house hacking. 

Once you feel you've built a strong team with your first property and have solid systems in place, I would then start buying more aggressively and taking on bigger projects.I suggest reading this BP article on the core 4.https://www.biggerpockets.com/blog/core-four-real-estate-team

Otherwise, you could potentially do a Debt-Service Coverage Ratio purchase or refinance to get the necessary funds which would be a cashflow based lending option for investments. 

An insurance agency could charge a fee as well but they'd have to show that too.If everything is the same on the policy (can be hard to tell with a cursory look at a quote) it's possible some of the internal risk information was changed a (such as year of update) and the underwriter changed pricing to reflect that.It's also possible one agency asked for pricing credits to get as close to a certain number (perhaps a number you told them based on the current policy) and the other agency was unaware of that number so they didn't ask for credits.That would be the most likely in most cases but it's odd since the quote was already created and given to you from The Hartford that it would change so much.By the way, your agent should be able to retake control of the quote quite easily with a signed BOR/AOR as discussed. 

It has been booming for the past couple of years with strong job growth and population increase.

Tenants have been a little bit of a litter bug leave before belongings and leaving personal belongings like it's storage what would be the best way to approach them about and enforce to keep clean and no personal belongings Hi David,In addition to strong language in the lease outlining property rules and then strictly enforcing them, how is the on-site storage situation for the tenants?

I actually meet several exemptions based on the type of lending I do, but here is one of them...

If this is an office building adjacent to a large hospital campus, even better, as it is very uncommon for hospitals to close down, so you will likely have strong long-term demand.Given the occupancy, you don't have any real upside beyond rent growth over time.