(And another one, Orlando, was very close.)Look at North Port-Sarasota and Cape Coral-Fort Myers: active inventory is ~20% above pre-pandemic levels and prices rose >60% during the pandemic.

Here is the situation: I purchased a 3-unit multi-family property in Elizabeth Port 7 months ago.

That looks mostly cosmetic from the photos, but I thought I saw an interior air unit so the HVAC could be shot, basement flooring is just concrete.

I can also put it on my phone. we had a IRS agent that just wanted to take us to the wood shed.. she disallowed more than that.

I have helped a handful of Hawaii investors purchase Air BNBs in Independence as well and just North of the River.

The statefarm agent I am working with is assuring me that it will be "written as a seasonal/secondary home for you with the endorsements to cover the air B&B"Is this adequate or should I be looking for more commercial full rental policy?

Kind of like the 1k deposit on a Air bnb where U can buy the same type of insurance for 50 to 70 bucks one time. 

- upping your max # of guests somehow- "no cleaning fee" & upping the nightly rate accordingly CAN be a big driver of bookings in some markets- having your listing/pics done professionally (by someone who specializes in STRs)- a great outdoor area- if you wanna spend $, i'm seeing lots of people adding pickle ball courts & more stuff to do outside like that - having a car there that they can rent on turo for cheaper than the rental cars from the airport

All of the things you are stating - like an Air BNB listing, actual rental, postings for rent, etc are great tools to reinforce your intent and use as investment. 

I’m active duty Air Force and ran into the same issue at my last base.