And when demand is high, the product goes to the highest bidder.

I'm a product of my environment. ;) 

After trial in April 2023 he appealed the decree and we settled in Supreme Court that the LLC, the physical rental property, and the mortgage would be my responsibility.  

Yes, you're missing the underlying appreciation of the house, the value of storing money in a physical asset versus an alternative and capex costs.

There is no one best product.  

Work with a broker who has access to a large variety is going to help you find an appropriate option for your situation vs a direct lender who can only sell you their limited product set. 

Of course my buyers are ALL owner occ's so different product and different buyer but probably more demanding than the investment buyer who is buying a basic rental house.

If you have any claims or some list particular claims in that time frame they will not accept new business from you.In speaking with the product managers I've given the example of a client with 50+ locations paying over 45k per year in premium having a claim for $10,000 and would they take the total account into consideration when this client buys another property... the answer was a hard no. 

From a publically available standpoint, Air DnA and Pricelabs puts out great data for their paid products on nightly rate, occupancies, etc.

Please stop copying and pasting chat GPTs into the forum, its not productive for anyone!