With all respect to AirDNA and the amazing data they provide for STR owners, their pricing tool is not on par with most tools available there. 

Be that as it may, with this approach, you will have to provide some value for your folks even to consider this.

This is an unrealistic scenario because you cannot easily find someone to give you 95% financing on four properties. 

I’ve found that offering cash can sometimes provide a workaround.

After tons of research, we've found that the resources, tools, and ongoing support they provide are truly unmatched.

@Kenzer Hodgson For your STR, an umbrella policy can provide liability coverage, but an LLC offers additional asset protection by separating your personal and business assets, which can be valuable in case of lawsuits or audits.

You are providing investment advice for a monthly fee.

What other advice can be provided here?

Condition, pictures, any financials they can provide.  

And assets that provide you with great depreciation but not great income or stability are just a form of robbing from Peter to pay Paul.