They should be bale to guide you more based on what you are looking for in the area. 

I'm still figuring out how this site works, but I'll be in touch if I hit a wall!

My answer for you is not based upon your Sub2 question primarily.

It's a 3 restaurant package in West Virginia (where we already have a base) and includes 1 piece of real estate.

I never thought about maybe they are assessing it based on wrong fundamentals such as you said.

This is a passive way of earning with real estate-based security, protection and insurance.

Based on that, their personal use kills the STR loophole from 2024 forward. 

I understand why carriers associate Condo/PUD construction with greater liability risk (I am sure being based in Philadelphia, a jury friendly city doesn't help either) but curious which carriers others are finding to price coverage without this exclusion and also price the coverage competitively.This also serves as a reminder to review the coverage when you hire a GC for more substantial or unique construction assignments. 

@Daniel Baker I would say a lot of it is based on their training or their resources that they utilize to complete your taxes.

If you want to buy  STR or MTR, i recommend buying next to hospitals there or near strong economic bases.