Typically, it's 75% LTV for an investment property and the rates you were quoted are competitive.

TOUGH market though competition is KEEN

Popular area, competitive with Investors.

If the agent you have can not get it for all your properties there are stand alone markets for the umbrella coverage.The rates you quote would be very competitive in many areas.  

However, if you're in a competitive market, sellers prefer offers with less contingencies.That being said, if you feel like you might be backing out of a lot of these offers, I would say visit the property or at least drive by before submitting offers.

However you must send out 5-7 campaigns in most areas to receive a ideal return on investment and stand out from the competition. 

Renting and flipping are easier because you can pay more and the deals are more plentiful, although most markets are so competitive now that it's even hard to find these.  

Be aggressive because that price point is competitive.

That will probably influence any feedback I give on your deal more than anything. 

I've developed over $100 million in commercial and investment real estate in my career and I've got some unconventional advice you won't hear everyday...if you want to win in an ultra competitive real estate investment market...overpay.