In the 2024 insurance market, CA is hard to place, so even though you could force them onto a single policy, it may be more economical to keep them separate.I'll send you a note with the carriers who can do this for you.

I don't know how much you have but a build to rent triplex all in our market is 150k liquid normally with full return of capital in 9 months.

Way to many investors were buying properties for more then they were worth with hopes of collecting MUCH MORE than market rent.

I will research my market to find out what's required for my state.

It's not like other markets where all info is online and everything is super fast and easy.

However my market is currently Arizona.

Since I'm based in Tampa, I don't look outside and compare markets. 

They would likely be able to confirm that your expenses are reasonable for the area or that your rents are at market rates.

I’m brainstorming ideas on how I can market myself to potential mentors in the STR game in order to gain experience.

With that kind of equity you would be to find a newer, nicely performing Quad in a market that is appreciating.