At a traditional bank those options may be limited.

Avg rent with this criteria is $1850+As far as reserves, I am saving about $4k/month, however, these funds were going to go towards my next property so I guess the answer would be no, I do not have separate reserves set aside for big expenses. 

We signed a lease agreement on 12/28/18 and were set to move into a house on 2/1/2019, however on 1/26/2019(the owner had expressed that she decided she wanted to sell the house sooner, about 1 month after signing the lease).

Ultimately, you should go with the one that appears to be the most transparent and that sets the right expectations.

In the policy "Residence Burglary" is $78 per month with limit of $5000 coverage."

Certainly a nice way to set yourself apart. 

Tell them about the abandoned stuff, where it's stored, the 18-day limit, and any potential charges.Talk to your tenant.

It would be great to have a local group based in Central Florida so we could meet in person but I don't want to limit the potential of the group so I'd be interested to hear from anyone with these interests. 

Check out my personal favorite, Set For Life by Scott Trench , or The Total Money Makeover by Dave Ramsey.3.

If so, are there any limits to how many years you can carry forward losses against rental 1099 income?