I do know that is something different than STR insurance.Thanks for letting me know that so when I call all the insurers I can get accurate info.I don't think your agent knows what they are talking about or they don't have the correct info.I am not against crazy ideas, but this isn't that.

Ive done some exploring of different options for funding specific properties in Ohio but with little experience in real estate I could use some help.

That's a long time ago in a different world.  

@Tony Schmucker if it were me, it would totally depned on a ton of differing factors that you may not be measuring (some outside of investment real estate). 

Today's market is very different.

Many hosts have success with a mix of RVs, tiny homes, and prefab cabins to attract different types of guests.

I would get an opinion and recent comps in Flood Zone a from a few different agents to make sure you are doing your due diligence on the resale market in that flood zone, especially with the recent hurricanes 

Some areas have a steady need for traveling professionals, military families, or seasonal workers, which can give you different ways to structure your house hack beyond just a traditional long-term tenant.Your VA loan is a huge advantage because it allows you to buy up to four units with zero down.

What are the main differences in hard money lenders vs. private money lenders?""

This community is great for getting all the different perspectives in real estate and learning from others.As far as the LLC vs. personal names goes, like everything, there are positives and negatives.