I just created a free account to check on one and you still don't get any info until you upgrade to "premium." 

Our premiums did go up but it was a half-million dollar claim.

"the typical home warranty costs $450 annually, and only 25% of premiums are paid to homeowners.

Therefore, since this loan will end up sitting on the lender's balance sheet, you should be prepared to pay an interest rate that would make sense for that lender to have their money tied up without earning the additional income they would earn from selling their loans at a premium on the secondary market and being able to re-lend and keep flipping the money. 

Oh, and my insurance agent is telling me my premiums are likely going to double once I rent out the apartment - fun times (Yes we are shopping that around). 

We bought much of the furniture new, choosing premium quality for the main rooms, and supplemented with discount deals online or some lightly used items.

You're telling me you are willing to sell it to a wholesaler for "low ball offer" which these days is 60-70 cents on the dollar vs taking a Premium on a sub 3 note?

Securing a premium investment or dream property is always going to take some work, effort and overcoming eventual disappoint.

I've used this insurance carrier for a while and I have a premium policy so it should all be fine.

A good real estate brokerage firm will not entertain or interview you if you do not have an active real estate license because those brokerages are top producing brokerage meaning those companies are buying leads with premium leads like Zillow and other sources.