@Brian Dickerson what you are running into is the agents are trying to fit the rental into your personal home and auto program instead of just writing a separate commercial policy for the rental. 

Other books I enjoyed that would help you are: Investing in Real Estate, by Gary Eldred, The ABCs of Real Estate Investing by Ken McElroy, and probably my favorite was Landlording on Auto-Pilot, by Mike Butler.

I hate when I am in a hurry and the iPad auto correct changes the words and I don't catch it until its posted.Thank you!

Thinking of using hospitable for auto-communications and maybe Beyond Pricing for automated-pricing but would love to hear feedback on these two and if there are other / additional tools i should be looking into.

Florida has a self insured option which appears to be available for auto.

  $1,000 a year in MLS fees, $1,000 a year in board dues, $1,000 a year in e&o insurance, $500 a year in electronic lockbox access, $500 a year in general business liability insurance, increase auto insurance costs for commercial use, continuing education  fees, licensing fees, brokerage fees etc.

I own a small business and use an ACH processing company for the majority of my customs payments. It works very well as every month I know for sure what I'll have coming in on the 1st. No waiting for paper checks, acc...

Plus reoccurring cc debt, auto notes et al.

An auto accident7.

I'll talk to several agents to better understand their approach to deal sourcing (handpicked vs auto filter) and whether working with them is likely to yield a deal.