If you "choose" like this you aren't you technically engaging in discrimination under the FHA? 

They aren't going to stop me though!

He runs comps and tells me a price the house is probably worth, which in my opinion aren't fair comps because the houses I am looking at are in bad shape and cash only.  

They aren't interested in getting a finders fee, they want commission.  

Coverage on a rental typically is higher than an owner occupied house, but you aren't insuring the tenants' property (where you typically have coverage for your belongings) so it may be a wash.  

@Deb Jones --It's a long story but though we live in Minnesota, we aren't natives & previously lived in SE FL for a bunch of years.

In my opinion, those who invest in Denver in 2016 take on too much risk, without receiving enough in return.All in all, expect both the Denver and San Francisco real estate markets to correct themselves throughout the next couple of years, as everyday people aren’t able to afford real estate here.Population Growth And Economic ExpansionSince population growth and job growth go hand-in-hand, it is important to analyze these two factors in a correlated manner.At the current time, the fastest-growing real estate market in both categories is Dallas/Fort Worth, TX.

The markets aren't hot per se, well Falmouth is to be honest....but I haven't yet been presented with the options of how much insurance is willing to pay out for A.

Be sure you are putting away money for taxes with every commission check so you aren't surprised at the end of the year come tax time!

Online ones aren't too bad.