I've been approached by a couple of sober living facilities and would perhaps prefer an independent living provider if possible (with 4 units in Cape Coral it's categorized as commercial so all ADA requirements, fire safety, etc. have been provided).

Is it specific to STRs or just a basic commercial policy?

When dealing with a hoarder house, safety should be the top priority.

I'm not sure the premium vs the basic version (I only have premium) but for any property, I can itemize the purchase price, current value, tag the associated mortgage, my assumption on appreciation, its rental income, all of its expenses (including taxes, yearly mainteance, capex, insurance, HOA, property management, depreciation and other), its estimated sale timing/and fees. 

Independent contractors only get basic training.

My only concern is that the introductory/basic plan has a 5 envelope limit - assuming this is a monthly limitation - and I may have 5+ applicants that are duds before landing on one that I am comfortable with based on screening criteria etc...

I'm not sure how to articulate it but, basically this bit of knowledge saves me a bunch of time and kind of surprised it hasn't come up in any of the books, articles, or videos I've been learning from.

Buying rentals for cash is VERY conservative and will take a long time to amass a decent portfolio.Leverage is how to grow your portfolio and wealth faster.Simple Comparison Example:1) Buy $100k property cash, it appreciates 5% in value annually => basically a 5% return on your investment ($5k/$100k).2) Buy $100k property with 20% down, mortgage rest.

Basically if the Townhome cash flows well its almost an easy slam dunk deal.

Last year we saw just shy of 14 million visitors.While I know just the basics of the cabin you were looking at, there are a lot of variables and things to factor in when looking not just at the cabin itself but pulling apart and dissecting those numbers to make certain it makes sense.