I really appreciate your insight.

The problem is that home prices usually appreciate faster than people can save for the added down payment, so you are almost always better off buying with the lower down payment and re-financing later.

How about from an appreciation standpoint?

Appreciation plays a big part in this. 2.

Hello, i’ve been hearing different investors talk about a seasoning period when refinancing out of hard money during the BRRRR process. can anyone help me dive a little deeper on what this is/mean?

I will run this through my CPA, but any input from other investors in a similar situation will be greatly appreciated. 

Is the interest rate, location, and possible(likely) appreciation of this home worth keeping it?

@Khalid Bryan appreciate the feedback.

The Condo by the beach will likely have more appreciation as there is less land to build on by the beach.

Any advice or suggestions to lower my insurance bill would be appreciated.