But please keep in mind that in Denver, there were only 14 FHA 203k loans endorsed FY 2022.

I have my opinions on a few but would prefer to not share them in an open forum because it could seem as though I am endorsing one over another.

Your endorsement further convinced me to pick it up.  

They are likely to be cheaper and may do a more thorough job than the big companies, but I cannot endorse any one of them. 

Check out a few free sources I suggested in this post: https://www.biggerpockets.com/forums/32/topics/778471-commercial-real-estate-investing-coursesNote that I am NOT endorsing any particular platform, nor sponsors/operators that use them. 

Both Guard and Travelers write owner-occupied HO3 with the broadened home-sharing host activities endorsement, so you're not really making a big change. 

For a structure that currently exists and you are rehabbing the property, I'd recommend getting a vacant policy that has a builder's risk endorsement.

Gingrich endorsed it, DeMint endorsed it in 2007.

Rental dwellings can be scheduled on a single commercial policy and you would just endorse every future purchase to that policy.

Call a few new independent insurance agents and they will have Homeowners policy options that will offer the STR endorsement.