Whie DOS lender risk may or may not be high, being ininsured is... well, enjoy your 'asset protection'.

And you get feedback at a level high enough to determine how to proceed. 

Anyone that is looking at your assets is always going to need to factor in property management, so you can show that as a real expense (and really make it as high or low as you want).I work in a vertically integrated real estate and development company, and I cannot imagine how things would run if we did not have an internal property management company that essentially works for the other companies but also stands on its own.

They wrote me Commercial policies with high limits....only $100 mo roughly, never had a problem.I would just ask the company that handles your current home's insurance....some will do STR insurance, some won't.

About me, most of my assets are RE but in another market so I would be diversifying in that market.Potential for appreciation is very uncertain: prices have risen a lot locally lately and are as high as they have ever been, and it’s unlikely higher prices would be affordable by locals.

. -- lots of factors to consider (including your personal strategy), but here are a few high level metrics to compare the most populous zip codes in HuntsvilleWelcome to drop me a message if you are interested in checking out the full report 

Off street parking is typically more important for high end/expensive rentals.

Much of the country is at high risk between fires, hurricanes, tornados, tidal waves, earth quakes, rising tides, etc.  

Highly recommend @Lien Vuong she commented below and has helped a lot of our clients start of expand their investment property portfolio. 

- Highly recommend REQUIRING tenants to get Renters Insurance and adding you, as the landlord, as additionally insured.