Where another issue arrises is I recently quit my job after becoming pregnant as they would not cover my maternity while overseas, my husband is employed however he works for a UK company and is British so would be unlikely to help us with the situation in the US.

We have seen a lot more of our investors selling their rentals than ever before in our 5 years as a company due to increasing costs across the board. 

Wasn't for me.I'm not affiliated with the company, although their founder @Brandon Hall is a colleague and a friend of mine. 

The macroeconomics are blowing up and going parabolic - population growth, job growth, and companies moving and developing here.

Interesting idea, but I suspect that would create more problems than it is worth.Most of the leverage you have with a NNN lease is that you are working with a company, presumably one that makes money. 

To the insurance company they will view an STR differently than a LTR.  

The macroeconomics look so good for this market - population is growing, job growth is growing, and so many companies moving and developing here.

Our company has designed over 100 flips for Real Estate Investors in 12 states, and one of the biggest mistakes that we see our investors (try to) make is always going BOLD with the design!

They must be very low odds because insurance companies are in the business of making money, not paying out maximums.

Yep, when we sign up for servicing as a company they ask you "what loss mitigation measures does your company allow" We offer loan mods, forbearance, deed in lieu, short sales and short payoffs.