I would consider a surplus lines or commercial policy.

.: Hello,I'm new to tax/mortgage surplus funds retrievals, and have been in contact with a homeowner who is willing to work with me.

Of that 1,750 only 180 claimed surplus funds. 

That monthly surplus almost makes it a no-brainer to go for MTR.

The short answer is that much of the rental market is moving to the "surplus" market.

To make matters worse, the horrendous demographics mean that there's going to be a huge surplus of properties, accelerating the depreciation.

Please advise.ThanksMel I'd recommend a local Independent Agency that has access to multiple markets including surplus lines

I can go out to my "surplus" carriers and get coverage. 

Quote from @Erick Pena: A "good" rental property is one that covers all expenses (mortgage, taxes, insurance, maintenance, property management fees, and any other costs) and still leave a surplus (commonly referred to as cash flow).Calculate cash flow as: Cash Flow = Rental Income − Operating Expenses − DebtThere's much more to it, but that's the basic idea.

Sadly, this price-gouging behavior has become the unfortunate new norm in the insurance industry.There's a high likelihood you'll need a broker familiar with surplus lines.  3 weeks isn't much time - if you aren't working with someone already you need to get in touch with someone asap.