Lots of DC area investors and pros here on the forums. 

If you plan to grow your portfolio, consider setting up separate LLCs for each property to shield them from liabilities tied to others, though this adds complexity and costs. 

With insurance rates going up, best to find areas with the lowest operating cost.

Cashflow goes up in smoke All the time. 

I am in the Akron/ Cleveland Ohio area. 

One of the best places to see what's out there in your area is to check Airbnb AND Pricelabs. 

First it was with Citizens insuarnec, now with Menatee insurance, before Citizens it was SLide insurance...He said Citizens changed my policy to Menatee.How come Citizens does not change policy on the house we live in?

They will come back and give one last opportunity for bids.

I was going to add, as posted above, it's a great rate and stick with that local credit union for the future business. 

The only person willing to lend me money was Paulie—a guy who charged a point a week and always had a baseball bat within arm’s reach.