And it looks like the institutional quality and low debt features of most DSTs aren’t immune to good ole market forces.

Syndication A is 900 employee with 30 years track record, Syndication B is 1 year syndication graduated from Cardone school of institution run by three people, the Syndication A offering lets say conservative 10% IRR Class B Core ; syndication B like you offering value add somewhere in Dallasville Class C value-add promising 15%IRR.

Depending on where you are, there's probably a large institutional wholesaler that is always hiring.

Our policy when we discover an unauthorized occupant is that they must complete a rental application and pay the application fee.

The FNMA "New Book of Business" instituted circa 2010 (see this SEC document that mentions the term) https://www.sec.gov/Archives/edgar/data/310522/0000950123110... completely revamped GSE underwriting as @Jack B pointed out. 

I discovered though that Markel *will* write a personal umbrella over a commercial STR policy (plus your personal auto + homeowners). 

Did you just discover multi-family investing?

It sounds like you've made it better and I would like to give it a try but after discovering your past defective products, and you not responding to anyone on here just makes me loose trust in what you say about your product, and if it can really deliver what you so excitingly said it does.I am NOT going to buy your product. 

Benefits homeowners NOT institutional investors.

First, there is no institutional lender that I know of that would touch doing a HELOC behind a mortgage that did not belong to the borrower.