If you have a partner and are a minority owner or LP in the deal, you may find something, but that doesnt sound to be the case from your description.

Many people on Sec 8 but also many market rate tenants/home owners.

Account Closed a PMC has two options to get liability insurance (tenant slip & fall) protection:1) Get added to owner's policy as Additionally Insured (NOT named insured).2) Setup a master commercial policy and add every property they manage to it and then charge those owners the cost of the policy.Otherwise, a PMC CANNOT get liability coverage on a property they have no ownership interest in.So, nothing wrong with their request.

Summary;  95% of all pre forclosure owners refuse to even talk about selling inspite of the empending auction. 

So while current market rents may not reflect higher insurance costs, after 1-2 years when owners realize higher costs and go through renewal cycles, market rents should increase.

Do these messages disclose that you aren't speaking with the actual owner if you aren't? 

Know this first:  the #1 reason that landlords fail is their failure to manage to the lease (American Apartment Owners' Assn). 

I wish all the STR owners luck.

It's not as simple as homes that were burned being rebuilt and original owners returning to them.

and that was owner occ.. todays rates are pretty normal actually. what you can do if you want though is find a really good HML and let them place a loan for you making 10 to 12% while your wait for things to change to a situation that you feel you want to move forward be more net return than buying a rental thats for sure. of course no tax bene's but there really is not that much tax benefit on one rental.. so just some alternatives.