Thanks in advance  If your hotel has a flag, they usually won't allow converting the hotel to long term rentals.

Whenever we buy a tank of gas for our car in NH, a portion of the taxes paid goes into a general fund devoted to cleaning up hazardous waste spills in the state.The process for accessing that fund would have been to first file a claim with the homeowner's insurance carrier and see if they would cover it.

Now, there was something that raised a red flag to me in your first post....if you buy a Duplex...then 1/2 of the duplex is rented....so if the lender is using that rental income to qualify you...and you can only afford $100,000....then that means you can't afford any home without rental income??  

Well, that's a red flag they're not on top of it. 

Are there other insurance carriers people recommend for FL that I can get a quote from?

I am getting flagged on Cl.

One thing is if the Hotels you are looking at are Flagged you need to be approved by the Franchisor or parent company in order to take over the franchise.

I could not find more than 3-4 rentals in the area (red flag?).

If they do not write with that carrier, you can check for list of agents on their website.

If this lender is willing to go this far to get the deal done, then that could be a red flag in my opinion.