In fact, most of my properties are insured by American Modern.At a recent renewal for one of my properties, I got a cancellation notice from American Modern due to "insufficient funds". 

Hi, Welcome yes indeed Ohio is one place that you want to invest in real estate.

Higher end home buyers are usually more rate and market sensitive.I see you're down in Texas, so if that is your market, weather plays less of a factor consideration as it does for us up north (no one likes to move in the winter unless they have to and things slow down considerably).  

Get a few quotes to replace, and maybe one or two more for repair.

The worst ones usually don't have any clear cut guidelines (a lot of the underwriters will make up their own rules if they do not like the deal), Suck at communicating (will reply days later), Push aggressive terms to get deals in and then switch them, and Not really motivated to get things done (they will adverse a loan without any hesitation). 

I found one with a rating of 4.1 stars.Is there something going on?

Get out in your spare time and inspect the available listings--product knowledge is one of the major keys to unlocking success. 3.

Happy to connect to learn your personal preference and goals, as well as the professional/RE ones, and help guide you towards a location that would be conducive for both aspects.

How does one get airbnb not to collect taxes on mid term rentals?

I would agree with @Garrett Brown You want to spread your risk by adding more units than one large monolith.