hello, our Airbnb began July 2022 and starting then, we have been paying almost $1,000 monthly in insurance.we need to cut down this cost but we could not find anyone else to insure us . . . Likely due to the recent h...

Don’t forget that you don’t insure the land, so in high-value areas like LA, property insurance will be a lot less than the amount loaned -- thankfully.You might optionally require specialized earthquake, flood, wind/hail, or specific endorsements for other regional risks.If you can, be careful accepting an insurance binder in favor of the actual policy.

if you can swing a multi unit as a primary when you move that would be another major leverage point especially with the new lower downpayment mutli family owner occupant options that are out there. 

So I cannot offer any rate/term or LTV options for them so you would have to reach out.You do have both traditional and DSCR cash out refinance options as well just to keep in mind.

But it is an option.

One more option that will reduce monthly expenses, and boost your rent a bit too is to buy a new home.

I am debating whether selling is a good option or if there are better paths I could take.

Best option would be to try and get a new 1st

It just crossed my mind the other day this is an option.

There are so many options and variables out there that I would definitely recommend you reach out to a lender for advice and guidance.