Plan right now is to convert these rooms into micro apartment complex. 

I remember when I was starting out, deal analysis felt like trying to solve a complex puzzle without all the pieces.

This would be a great feature for all of our tenants. 

It does have a feature that you can set the time for recirculating, but our schedule is too chaotic for that being a good option. 

I I would speak to some more attorneys because this is a complex situation.

Just not sure which one is the best option from a STR standpoint.Ours is a State Farm business owners policy (BOP) which has the features you mentioned -- building replacement cost, $1M/$2M commercial liability and loss of income coverage. 

Here are a few suggestions on how you can maximize the wealth of information available: Check out the blogs and podcasts, or take advantage of the search feature (magnifying glass).

However, if your property is larger or more complex, the cost could be higher.

What if you have an apartment complex with 20 units?

Go to Etsy and search for "rental property tracker," and you will find hundreds of nice spreadsheets to track 10-20 rentals, usually for under $10.Software has extremely helpful features like online payments, marketing syndication (click a button, and your property is advertised on multiple sites), electronic document review/signing, maintenance tracking, and owner reports.