@Chris Maudlin if this is a FEMA flood insurance policy, then the rates are standardized across all agencies, as it is a federal flood program.

Can you send me a copy of his certificate, so I can check this out?

My current program is through Farmers for my two cabins but they won’t cover pool cabins.

I would definitely recommend researching other software programs.

The agents I currently use would be able to tell me that the area isn't "good" and that the rents are high because they are a special state sponsored program (not section 8) that could stop at any time.

True it is cash, and Coinstar will give you gift certificates to lots of places.

The exception is that under the FHA program, appraisals are required to be portable.

@Jonah Wilson there are tons of programs with out income for investment properties. 

Before signing up with a guru, make sure you vet any program on BP.Hope this helps, I'm happy to give more specific examples. 

Your realtor is talking about the STAR program which is a property tax credit and exemption (not a reduction or change in assessment) for those that use their home as a primary residence.