The highest insurance rates in the country are in Florida right now, but I still like the state in general.

There is very strong appreciation over the last few years even with the high interest rates. 

I have a few of my higher priced ones in my personal name because you can have up to 10 conventional in your personal name and they have typically have lower rates, so might as well save them for the bigger ones.The majority are in LLC's. 

In April, shopped around a bit with a different agency, but they couldn’t find a cheaper rate.

It's hard with interest rates and homes between $350,000 to ,$500,000.

Obviously looking for the lowest interest rate possible!  

If you have an appetite for 30 year type loans and willing to accept rates at 7% currently.

The mantra of go to school, get a job, buy a house, work hard till you're 65-70, then live off retirement till you die is a nightmare.

In April, shopped around a bit with a different agency, but they couldn’t find a cheaper rate.

Any new owner / investor would need to make these rate changes - compelling the current residence to  move elsewhere (somewhere more affordable).And this is why the residence are looking to make a Co-Opp.