In the case of a house in a flood zone, they will require a flood policy be purchased.The normal policy for a 1-4 family rental is a Dwelling Fire Policy (sometimes called a Landlord or other name by the company). 

If I have 4 million dollars, I will retire tomorrow regardless my age because I know I will never use up the money (with a middle class lifestyle).

Part of me wants to just sit on the cash until the market cools a bit (not waiting for the next 08, just drop back to a more normal market).

That's "normal". 

When I do my projects I normally do foundation up new construction (to avoid having to give buyers the NJ required 10 year warranty).

With the property losing money at that occupancy - which could be normal for the park, I don't think the benefit outweighs the risk - at best you're only bringing in another $5600/mo but with my estimates on RV parks, your expenses will eat that up pretty quick.  

It would be so sad to have to get a 9-5 job at h the is point, we’ve put in so much and love this lifestyle and everything about real estate.

The school year has started which in a normal year marks the beginnings of our seasonal slow down.

Is that normal, or am I not finding the right agent for my purchase.Granted I'm looking for a 200k-ish condo (instead of a 500k-600k MF), so the commissions are lower, but I still think they should be qualifying what they send me somewhat.What are your thoughts!? 

However, when you get to the auction, normally anyone with a lien will also be bidding on the home to COVER their position.