They can assist with transferring from a 401k so you can invest in real estateI pulled back from referring any sdira custodians as don’t like to recommend as YMMV with each one

What's the accuracy rate?

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

That amount will have an effect on the premium for that portion of coverage of course, but shouldn’t raise rates on the rest of it. 

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. 

Make sure you put discount clauses and subordination verbiage in your offer.Use the Installment down payment clause.A Front Porch clause can be used to completely eliminate the down payment requirement.Write in your offer that seller pays all transfer, contributes X-$'s to you at settlement and that you receive all positive escrows if there is a mortgage to be paid off, and the seller agrees to leave stuff in the house or garage - all furniture, the old car in the garage, tools and garden stuff.

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

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.