I have used Will Kittredge with First Citizens several times for financing and have been very pleased.

If you do enough marketing you'll begin to recognize the calls from seniors who have no one to talk to.  

I’m a senior in high school and I’ve been watching real estate videos and listening to podcasts for years now.

This is definitely a bigger problem, I have seen this happening with Citizen bank.

But I am a Mexican citizen so I'm sure that helps.

Some properties are eligible for coverage by Florida Citizens Property Insurance Corp, which is guaranteed by the state.

I'd suggest mailing to Seniors with Long-Time Ownership and Owners with Low Financial Stability Scores. 

I had to go to citizens insurance (state insurer of last resort) on one of them. 

Also is it normal to be senior to return of capital to a /b investors?

Petersburg, one other thought...Because of the new Rules for Homeowners Insurance in Florida where the Governor signed into Law that anyone using Citizens Insurance will be required to pay for Flood Insurance, which is a Federal program.