Any referrals for insurance agencies that cover multiple states and can write a policy on second home/vacation rentals?

@Brandon KosterIts 10 mortgages but that does not mean 10 agency debt loans so if you had two land contracts/private money loans that would count towards the 10 limit but if you have 10 mortgages you could go above with a land contract/private money loanas thats an agency loan requirement.

@Jon Kessler Okay so it's not something that goes through an agency or anything?

The difference between a typical commercial loan with a 20 year amortization and an agency loan with a few years of interest only is huge. 

I go back to the same large agency in central Florida and get a quote on a permanent policy. 

In a perfect world, when I moved down to Florida I could find some job doing the busy work at a real estate agency or lender to learn the business, or maybe just someone I could learn from. 

@Scott Gordon you could try seller financing, buying distressed with low down payment, looking for a broker who can help you coordinate private money....lots of options out there that no one really talks about because they aren't mainstream.

Bitcoin is going mainstream. 

The larger national brokers will be able to offer non-recourse through the agencies and some private lenders, but you get more strict underwriting standards, primarily the common 1:1 net worth to loan balance requirement and 10% of loan balance in liquid assets.I would budget a lot of phone time and asking what their terms are, standard underwriting standards, etc.

Thank You,Brian For agency loans, the 15% down niche applies to SFR rentals, or duplex primary residences.