They may ask for a basic LOE but that's if they are really nit picky. 

LTRs basically do not cash flow at current prices with conventional rates. 

My cleaners have the basic resupply built into their costs which means guest is paying for the consumables.  

If you look at the tax assessment, there will be an assessed value and the taxable value. 

Focusing on the foundational basics and your operations is more important long term.   

I am a big advocate of home ownership, but in the situation you are describing (not knowing how soon you would leave), it might not make the most sense to buy a condo with restrictions or potential assessments in the future.

Get detailed quotes on these to ensure it’s cost-effective.Zoning & Permits: Verify that your current property allows additional homes and meets zoning requirements for multiple units.Rental Demand & ROI: Assess demand for singlewide rentals in your area to confirm it’ll be profitable after all expenses.If everything checks out, these could be solid additions to your portfolio.

I am really intrested on real estate and getting hands on with basics required really excited and also nervous about this new journey but the goal is to be financially independent 

We basically have been paying out of pocket.

I personally like working with a broker because I know they are helping to vet the insurer and making sure that I am not missing key pieces of coverage.That said, from my understanding of the insurance markets basically different insurers like to spread their risk out across geography and asset class.