I also require my tenants of any length (I only rent for 30+ days) to have their own renters insurance for their own belongings so I don't see any big issue with having your part-time tenants get renters insurance and then making sure that your own homeowners policy is aware that there are others living in your home but that they have separate renters insurance.

I discussed this at length here: https://www.biggerpockets.com/forums/51/topics/1075919-five-...Now, back to the "is it worth it?" 

Loan Term and AmortizationCommon Term Lengths: Loan terms for seller financing vary but often range from 15 to 30 years to keep payments affordable for the buyer.Balloon Payment: Many seller-financed deals include a balloon payment due in 5 to 10 years, at which point the buyer would need to refinance or pay off the remaining balance.

I don't mind paying fee, if I am getting a better return after fee.If you look at the sum of all the fee of a life insurance and divide them by the total length of the life insurance, you will see that the average yearly fee is lower than most of mutual fund.And I agree with @Jeff Nash that Dave Ramsey is of great help for people who don't know how to manage their money and are getting in debt.

The length of the prepayment penalty is one of the levers on the rate- more on that below. 

These MTR leases - 30days - 90 days are NOT in the realm of LTR lease length, or even close to it.  

Some questions to consider to help determine the best lender for your situation:What's the loan term length & down payment needed?

The length of the replaced line was about 25’.

This eliminates some liability and is easier for turnovers as keeping lead on the inside means dustswipes for every turnover regardless of tenancy length. 

I hear the same story about how the general economy, my length of time owning the business, etc are reasons credit unions (same ones who were on board before I bought the brewery) are now not willing to finance.