Quote from @Yates Harris: Yes, you are overthinking it.Insurance companies are in the business of making money.

These are properties that with minimal work they can be set up for a duplex like places with a mother in law suite. 

I know not all title companies are created equal and that few will close on a deal at a certain price point or do what's necessary to clear title on messy title deals.

First time dealing with a title company.

Investing out of state can be done easily as long as you align yourself with the right company.

Some credit providers charge $50, some charge $200 and you don't have control over this unfortunately.Title fees: since you are purchasing, you probably didn't choose the title company, however this can be negotiated when you submit your offer.

Also allows me to have a placement company to deal with tenant headaches. 

I can provide a lot of advice as I've done several LLCs for our companies and I'm right down the road in Tampa.

I've never had an appraiser who seemed bothered by the fact that stuck around during the walk-through (most of them are talkers and like the company) and never had an appraiser who didn't want my extra information (again, most of them were very appreciative of anything I had).

However, before adding the address to the system, they checked with USPS to verify, and came back denying my request saying the same explanation as what USPS said above.No one at USPS or the City has been able to provide me with any ordinances, laws, USPS Handbook rules, etc. as their basis for enforcing this decision.