I would pick a market area you like and start doing a bunch of deep dive deal analysis, but from a rental and not a life style standpoint.  

Explore the possibility of doing liability insurance instead, if you don't have much equity it may be your best, and much cheaper option.  

HELOC can be good for this situation - then you can pay it down and use it again for other life events etc. 

Maintain - includes taxes and insurance?

If you are trying to get a cash out refi, I would think the bank would want to see the correct type of insurance for the business you are running.

Cash flow has been hampered by an increase in cost of ownership recently, specifically insurance. 

Even at that price point, you may struggle to find a tenant, potentially leaving the property vacant for months.Here’s an example of a deal I’m currently working on:Purchase Price: $215,000Rehab Costs: ~$250,000ARV: ~$615,000Potential Rent: $3,600/monthUsing a $615,000 ARV and 75% LTV on the cash out refinance, with taxes and insurance, my monthly payment would be $4,267 using an 8.5% rate.

What kind of insurance do you use? 

Regarding the Zelle versus Avail issue, I would advise choosing your battles wisely - as with many aspects of life.

As a side note, FDIC insurance protects depositor money, not debt.