am working with them now and had the first policy (with Spinnaker) cancelled for nonpayment/late payment so we rewrote another policy (with Millenial) and having the same payment problem again but at least they are communicating that cancellation is coming. they want me to pay by credit card over the phone so the payment wont be late and cancelled again. but when i go to mycoverageinfo.com to check on status it shows its been paid.

A lot of the popular areas in Charleston proper that are not licensed under the old laws now require the owner to live on the premises to obtain an STR license.

It's likely a scam anytime they sound like AI or the grammar is weird or they use the word "kindly", if they ask for you to respond to them off-platform, if they say their employer will pay for it, if they ask if the dates they've specified are still open (when they can clearly see they are open on your calendar), if they ask for a video of your property (they probably want to set up a duplicate listing with your photos and video and scam others out of money), or if they want a long term booking and they have just joined the platform and have no reviews (could have been evicted from somewhere else, and hope a newbie will let them in with no background check, they'll end up not paying or credit card is bad).  

You can review your HOA's governing documents, also known as the CC&Rs, to understand the proper procedures.

Crossing the lines may not provide proper liability protection.Personally, I just kept my SF rentals in my name and got excellent insurance coverage, $500K per property plus a $2M umbrella.

I suggest consulting with a real estate attorney to ensure proper structuring of the LLC/land trust and review the tax and insurance implications.

I had over 200 sfrs in jackson proper all C and D class U want to think they are B s  but not really in all but one area of the city of Jackson and a ton of section 8.. those were a nightmare..

The ownership structure as indicated on the title must match the named insured on the policy to ensure proper coverage.

Those old homes are such a wild card! 

As long as you follow the guidelines properly, it's not an issue.