We set the price based on our original assumptions but the offers we received were all well below what we needed. 

I'm not familiar with what Cambridge might offer, but finding something without MI would only be small/local banks or credit unions like that with some portfolio product. 

I even offered a discount for the first month rent, and I'm either getting flaky people or scams.

Also, the insurance companies are fleeing Florida so I'm definitely not making as much as I would from selling while things are still good.Talk me off the cliff or push me over please.Hi Tim, I'd recommend that you sell the house and invest in a market that offers strong growth potential, affordable property prices, and less risk from natural disasters compared to Florida.

Is that a standard thing or just simply what one lender might offer?

If the builder never transferred title, they might try to argue that its comparable to selling a model home within a new construction developement (new home, but has had thousands of folks walking in and out for months...sometimes years).I would be confused as to why someone would offer it as new construction when it had been lived in unless their aim is to avoid capital gains, but you say lived in a few months and not two years so that does not track.

Either simply overpriced and sat for months not willing to reduce the list price, but willing to take a (reasonably) lower offer.

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