Typically, you can purchase an umbrella policy for as little as $300-600 annually that offers a million dollars of liability coverage.

Any thoughts on writing an LOI, or would you suggest an offer?  

I found the deal on realtor.com, my realtor, Steve helped me negotiate it after SEVERAL offers.

Look for people that have owned for over 10 years, and get it from them off market even at a deep discount and do the work of fixing it up and renting it for higher, or if you want to buy on market I'd definitely recommend offering below asking, as most multifamily that hits the market in these areas are tremendously over priced. 

I even offered to have them repaint the house in exchange for a lower rent, but they refused.

I confirmed with customer support that they no longer offer the annual subscription for new properties. 

The founder is now offering a property selection newsletter to find the “best STR deals”. 

They'll offer the best terms and rates.

I live in and invest in Tampa so I’m biased but you truly can’t go wrong in either market, Tampa is going to be a little better on the appreciation side and Orlando will offer slightly better cash flow opportunity whether it’s multi family, single family or short term rental.

VA Loans:If you’re a veteran or active-duty military, VA loans offer fantastic benefits, including no down payment and no private mortgage insurance (PMI).