I am afraid your strategy of using additional insured status to circumvent the lender being notified of the change in title ownership will just give your carrier reason not to pick up coverage in the event a claim arises. 

I think insurance companies have become more risk averse as weather events increase.

I'm trying to get a bed and breakfast and event space in Woodbury!

You can meet local investors by registering to attend real estate events in your area: https://www.biggerpockets.com/forums/521-events-and-happenings6.

I have long term rentals but for many years I was only slightly cash flow positive and larger negative events put be back to break even and even a few negative years.Here is the upside and how I changed my mindset.

We have meetups once a month, the first WED, in Northern NJ.

Attend events, schedule dinners, and actively connect with individuals who align with your investment goals.

If I 1031 via a DST, all $300k goes into the next deal and there is no taxable event, but if I sell without a 1031, I'd owe @$25k of depreciation recapture, correct?  

Maybe we’ll meet up at a networking event one day.

I'd suggest continuing to network at real estate events, but also exploring partnerships with professionals in finance, wealth management, etc.Keep refining your investment thesis and building those relationships.