I'm looking for another STF property that doesn't need to be rehabbed (which makes wholesale properties, BRRRR properties, and a lot of "Creative Finance" properties POSSIBLE but certainly less likely to work cleanly). 

The property has 7 acres with a 3/2 main house and a second separate 2/1 house (which also needs renovation) with its own drive.  

But, they have ZERO liability for the performance of that tenant.Second, 97%+ have no idea on how to screen a tenant, other than income = 3x rent and a credit score.

We buy mostly almost move-in ready, less work and a larger basis for cost-seg.

I don’t understand how you can have 13 rentals that are paid off and a primary residence that is paid off and still need more cashflow.

And as you go through a career you learn what you like and are good at and what you dont like and are no good at.. 

A shopping mecca five times bigger than Lakeline Mall, a 21st century mega-factory, an ever-growing Apple campus and a somewhat secret but sizable spot occupied by Tesla.With a population increase from 2020 to 2023 of 14.5%, Williamson County is clocking more new residents than all other counties in this fast-growing region.

I live in San Diego, CA and as you all know, it’s a very high entry point here so looking to get into a long term rental elsewhere.

It likely means you have that amount of coverage when caused by another peril and as mentioned it's typically a significantly lower limit than other coverage amounts.If a pipe bursts, it will likely be covered. 

If you are kinda tech savvy and a DIY guy, you could build one yourself.