If their reserves are exhausted in an event then they are allowed by law to pass the overruns on to all policy holders to make up the difference.How are Florida investors looking at the current insurance costs and future risk of high insurance costs?

I have paper applications but should I be using a website instead, i am sort of stuck mentally.

If you of the mentality that "cash flow is king," then you want to think about how to build your buy and hold portfolio, so you can have that rental income every month. 

Usually, most people don't figure out the finer details of their RE journey for a few months after they've mentally decided to get into the game.

My parents negative experience with rentals has been a mental wall for me to break through, but the tales of success that I’ve seen and read keep me going. 

Now,  HIPPA laws mean I can't ask what exactly the potential tenant's mental health issue is,  but I can ask for a letter from  a real doctor saying s/he prescribed a therapy animal.  

To me, I see a lot of benefit in joining them -- the network, the mentorship, like-minded mentality.

At the moment I have $10k of my own money available to be used in the deal Always exhaust your conventional opportunities before you jump into the DSCR world.  

As the post mentions, I am exhausted reading posts from everyone trying to predict what is going to happen next.

The biggest daily mental challenge is the urge to go on big adventures while still working towards real estate and FI goals.