Told to have contractors sign the customers contract .

If you can get 10 or 20 landlords to kick in $100, you can have a lawyer review the docs and laws and regardless of the review, send a letter threatening legal action. 

Nevertheless, fwiw I'm attaching the endorsement below for peoples review and thoughts. 

At the end of the day, these carriers are insuring based on risk profile and they are carefully reviewing real time data that tells them whether its a market they want exposure in and how to price that exposure. 

In the Phoenix market, I haven’t encountered a wholesale deal in the past year that I would consider a good opportunity, despite reviewing hundreds—well over a thousand, in fact.

You can definitely create an LLC independently but its the OA language that's the tougher part and something that should be reviews with legal expertise. 

Zillow will also offer climate history of a property alongside custom tailored insurance policies and carriers. 

When reviewing Airbnb listings and their calendars, I noticed that around 95% of them have no bookings for the next 2 to 3 months.

I would review the PM Agreement closely to see if this is the case.

@Shea Spinelli If you PM me, I can send you a sample XL spreadsheet that you can customize that we use to apportion the expenses among the Tenants ..