No need to pay big bucks for this. 

Suppose they say "No, sue me."

Quote from @Erica Dike: If your vacation rental is designed for everyone, it speaks to no one.

You can request a hardcopy by calling (800) 226-9101 or (850) 488-1122.Include all allegations and supporting evidence, such as photos and timelines.Mail the form to:Department of Business and Professional RegulationDivision of Florida Condominiums, Timeshares and Mobile Homes2601 Blair Stone RoadTallahassee, Florida 32399You can also fax the form to (850) 488-7149.What happens next?

No social or credit pull needed upfront. 

I called my local insurance company, as well as two major companies and was told "good luck." 

With this being our first property though, would a business bank account just be more of a hassle since we want a joint account with no fees?

Its hard to find deals unless you are connected, advertise a lot, cold call a lot, knock a lot, and/or work very hard at it. 

If something needs tweaking, they handle it without making a fuss or dodging calls.3.

They have been historically reliable over the last few years but I am hearing some rumblings of reduced leverage, slight increase to rate, or some kind of minor tweak to DSCR lending with some programs.Happy to jump on a call if you have any questions or concerns.Good luck!