Quote from @Josh Jung: surprised you haven't heard of RBP. it's like a mix of services you can offer to your tenants like renters insurance, virtual concierge, etc So the property manager/landlord pays for their renters insurance, and filters?  

However, 80% is typically available as a rate/term aka limited cash out refinance (cash out just being used to cover closing costs and prepaid items like taxes/insurance).Your phenomenal DSCR is just a cherry on top. 

Op ex includes property taxes insurance repairs maintenance property management utilities landscape etc etc. $120,000 x 50% equals $60,000 operating expenses$120,000 gross income less $60,000 operating expenses yields net operating income (NOI) of $60,000. 

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.

Even if the specific booking is not from Airbnb, the entitlement is permeating the market in general.I do like how pretty much all of the OTA's offer trip insurance. 

Hey Karen - Before you get too deep into the Series LLC you might call a few banks, title companies, and insurance providers to see if this is going to be a recurring problem.  

There is an offer to buy but if I include everything I've spent over the years, mortgage P&I, taxes, insurance, HOA, and recent repairs, I will just break even.

Also, due to increased liability exposure property insurance premiums is adversely impacted causing fewer and fewer building owners to seek out ATM tenants.

•Sarasota County: The median sale price for single-family homes declined slightly by 1% year-over-year to $529,750.Looking AheadWhile the increase in inventory offers opportunities for buyers, broader economic factors such as elevated insurance premiums and mortgage rates may influence market activity in the coming months.

While these loans make it easier to buy a property, they come with challenges:- **PMI Can Be Costly:** With less than 20% down, you’ll likely pay $150-$300/month in private mortgage insurance.- **Interest Rates Can Affect Refinancing Plans:** If rates increase, refinancing to remove PMI or lower payments may not be an option.- **Scaling Can Be Tricky:** FHA loans are typically for primary residences, meaning you’ll need to strategize if you plan to purchase additional properties.Thinking through financing options and backup plans before you buy is essential.### 5.