Also if they do accpet appilcations you need to have experience in BPO's and have all your ducks in a row to start listing, i.e. e&o insurance, licnese information vendors you are going to work with to change locks, trashout and property preservation.

Insurance rates stand to rise dramatically, so the question is "will the insurance rates go up enough see rentals go into negative cash-flow situations?"

Before maintenance/cap, insurance, misc 107% of rent. 

If all your plumbing and electrical are in place that would reduce it some but not down to $20,000.

Also in my property folder I'd include a "Insurance folder" for anything insurance related.

I would go with a hail resistant 30 shingle then you get a discount from the insurance company .

The property is unique so you would do well with families who also need to WFH so insurance displacement would be ideal.

Co-hosting is just like any other business---- scalable systems. 1) Know how to build systems2) Find a mentor who will teach you3) join a mastermind that will teach you4) Learn and grow as you go... but have insurance.

Insurance payout is not a taxable event.

We also assist with tenant placement for insurance claims that we cannot fill in our own properties as well as beginning to cohost for some MTRs as well.