For the most accurate and detailed information, it's recommended to refer to local real estate listings and market reports or consult with real estate professionals who are active in these areas. 

Regarding loan terms changing after the appraisal was done most likely and the appraiser marked the property as being considered rural, is not something a loan officer can entirely know in advance if they are not local to the area. 

Currently we co-own a vacation property with my in-laws with which we have been using for our primary residence for 4 years. 

Perhaps joining your local REIA would be a good place to start with less risk.

We've got a lot of Class B & C, but you do need a local expert to avoid getting scammed into Class D.PM us if you want more info...

I would find a local Attorney that you like and set up an account with them.

I am an owner/operating partner of a local title company (Legacy Title Agency) and we have come across quite a few fraudulent and suspect deeds in the city of Detroit. 

Yes, check with a local attorney.

Given FL dual agency laws and the recent NAR, what would this mean as far as commissions?

Looking for location advice and local connections.