I would certainly comb through your past email/communications with the agent and report the issue to both the insurance company and insurance commission. 

I've done this to save some money on the commission side of things by deducting the amount I would've gotten paid from commissions off of the purchase price of the property. 

Also, since they are transaction-based, they get their commission and can disappear. 

I use a broker, they do the leg work and since their interest is in my success, as opposed to an insurance sales person who's only interest is making commissions.

- New builders have been given lots of incentives for months now - they pay closing costs, buy down interest rates, higher commissions for agents. - Possibly... in most areas of the country the market is a sellers market and the seller can get top dollar for their property.

-My terms: a 5% commission (I’m a licensed agent) to be credited at closing towards the purchase, plus $10k towards closing costs.

Oh, and their employees are not licensed brokers, but earning 10% commissions!  

With all that considered, if I had just been trying to flip the houses I don't see much profit in either one once I pay commissions to sell.  

Your local S8 Housing Commission should have an info sheet on their website that shows their deductions if landlord chooses not to include electric, gas & water.Even more critical, your $680 mortgage amount, that you appear to be comparing to the S8 rent, should include ALL the other housing ownership costs: property taxes, insurance, vacancy/tenant nonperformance (S8 tenant may have to pay part of rent), maintenance & miscellaneous.Suggest you use the BP Calculator for this.

I was actually wondering about the motivation of a VA who isn't getting paid on commission.