If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

We have never submitted any claims.Anyone have a recommendation for an insurance company they like that writes policies in this area?

With the auction, the government gets paid first (back property taxes etc), then lien holders are paid in order.

And whether they find all of these little issues or not, it will still result in thousands of professional fees and many hours of your time to deal with it.Then you need to look at the other side, if you are mis-stating your tax returns, you will also end up providing bogus numbers to banks (also not a good one to lie to), potential investors, potential buyers, impacting the value of your properties by over stating your expenses...Honesty is a great policy. 

Maybe they were never truly permanent STRs.  2020-2022 was an anomaly due to the pandemic and massive government stimulus.

The problem is that all non-government jobs are relatively short-lived.

Maybe think of the fact that if you put all those properties in an LLC, you'll have a heck of a time getting an umbrella policy so you'll have exposure.

Make sure that's allowable with the governing agencies/laws. 3.

I have a STR house in a resort town, but the city’s new stricter policies have really cut into my revenue.

I'd not been there for several months as is often the case and didn't know it but they'd instituted a new policy where buyers need to show an official ID when going up to pay after winning that bid, this due to the goofs who were wholesaling or whatever and would put their 10% down and then use whatever name, so they could then simply call their buyers and find whoever wanted to buy it and then that person would show up for the confirmation hearing and pay the balance.