I'm in the Reno, NV area and while it's not a high fire risk in many areas insurance companies are looking very closely at the mechanicals of buildings before insuring properties or before writing a policy.

Except their customer service is only through email.

I would say I lean more towards cities, in case it ever needs to be turned into an LTR, but am open to more vacation-centric destinations.Any advice is much appreciated, thanks! 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

You are mention the higher costs for MTR-- I would adjust the cleaning fee and add incidental insurance like Waivo to cover those costs.

My advice is to get a real estate centric job, save and obtain practical real estate experience.

Your zoning should be ok, but you want to do everything by the book (which can be costly) to percent future insurance claims or injury claims in an unpermitted basement living space. 

Also, do you have the proper insurance to CYA in case something goes wrong?

For those who have gotten insurance claim renters using Ale Solutions I'm curious how many have paid for the Preferred Landlord Program vs just registering your property for free.

While my insurance charges are relatively low each year given this is a condo, I learned to better assess who is behind budget planning at the HOA level for all of the units for roof, cleaning costs, basement improvements (shared by all units), given this was run well by one individual.