Should anything happen down the road, you don't want them telling you that normal homeowners insurance doesn't cover STR.

Currently, I am looking at Hemlame for local, I tried to use them for an out-of-state investment property, but the cost with an agent would end up far greater than a full-service property manager.The dream option would combine all accounting, bill pay, rent collection, provide eviction services, and maintenance coordination outside of normal hours.

I have fridges for decades and the seals don’t go, yet expect the argument or normal wear.

Screen them as you normally would - does their income substantiate their portion of the rent +/- a little for changes in what the housing authority will pay out?

I am actually doing a flip right now and hard money lender isn't the easiest to give us a loan for the rehab (draws verse pulling all at once, which is normal).

It normally takes 5+ years of rent increases before you feel like you are doing ok. 

Most importantly, you will make mistakes, so wake up, try your best, forgive yourself if you make mistakes, and try again tomorrow.

If you don't actually replace the damaged property, the insurer will normally only pay you the "actual cash value," i.e., the depreciated value of the property.

You look at the house, look left around neighborhood, look right, and just tour at a normal human speed looking around exactly as any person coming to tour would. 

Normally this would be taxable.