@David A.hello again. i obviously don't know really anything about you or your family but "switch[ing] from 401(k) to RE" is not a thing. 

Aside from the obvious dangers, I’m seeking best practices and how experienced investors  in this area handle hurricane damage?

A $750K house will bring in more than a $250K house, obviously.

Obviously I don’t recommend this to the majority of investors because from what I read it seems like no one has this type of relationship with their contractor.

But obviously allocation of your personal portion will not be allowed. 

We do catch this - not all of them, obviously, there's just too many threads in a day for that to be possible - and anyone caught doing this is banished.

When insurance companies face big payouts for natural disasters, it affects the rates of all of their policy holders not just those in the affected areas although high-risk areas are obviously affected more.

But obviously if my rent is covered there has to be some other standard I should have.

Obviously, they're all idiots.

It is an interesting time obviously with an election and rates coming down and potentially a good amount of inventory being built but as the fall and winter come fewer people who put existing homes on the market which reduces competition for those first-time home buyers.