After a year at staring at insurance data daily, AZ insurance rates are only increasing marginally, while most states are damn near doubling.3.

@Ashley Kehr I use a combination of Apartments.com for rent collection, RentSpree for tenant and background screening, and Stessa for accounting.

I used All the Rooms to get some general data.

Make use of its features like online rent collection, maintenance requests, and tenant screening.Local Resources: Consider joining the Central Indiana Real Estate Investors Association (CIREIA).

- Also, what is their networth, so they are legally collectible for the guarantees?

When trying to analyse STR I try to use as many data sources as possible, AirDNA, Rabbu, Pricelabs and good old networking, ask around see what other investors are getting for their units. 

You’re able to leverage your initial investment and use it for future properties, potentially expanding your portfolio quickly.Cash Flow: With each property, you can create a consistent cash flow stream that builds over time as rents increase and property values appreciate.Wealth Building: By consistently following the BRRRR process, you’re not just collecting rental income, but also building significant equity in each property.

However, the suitability of buying and renting out a single-family home in Richmond can depend on various factors, such as market trends, rental demand, and property values (similar case with all markets, really.)Chatting with a local agent in the area can provide very helpful insights into the market, data, and specific neighborhoods.

I'm still in the process of finding an alternative solution but I thought I'd leave this here as a warning for others looking to make a decision.For reference, I'll just post their email response to me here:As we review your inquiry, we would like to remind you of the following key points from our Terms of Use:In no instance shall ShinePay be liable for any of the following:"Lost revenue from service interruptions.Lost revenue stemming from delays, malfunctions of any product.unauthorized gains access to your account or due to shared passwords or if your password is hacked.Destruction to properly, places, or personal injury resulting from the installation, misinstalling, or misuse of any product.Lost revenue from entering the wrong account number for ACH or other bank transfer or money transfers or due to any delay in receiving funds.Damage to your structure, machines or car resulting from use or installation of our products.Any funds collected that are paid to a person that does not own the property.Any harm from defeating the lock and technology that controls the lock to a device.Failure to properly service any product or machine."

And sounds like a good set of options you are looking at.Here's some data and visualization on recent trends in some of the markets mentioned here.