The property is in Pell City, AL and I was able to find this is a non-judicial state and potentially would not be tied up as much unlike a judicial process since it’s not going through the courts.ThanksDaria 

Additionally, placing the property in an LLC doesn't guarantee privacy for tenants, as they can still access public tax records and potentially trace ownership back to you.

If you can place the right tenant, many of your other issues will be virtually non-existent.  

The responses from some Real Estate “professionals” in this thread explains why real estate agents and representatives wear the badge of honor of being nosey, careless, borderline illegal and non-compliant with the most basic regulations and elemental  ethics.

I will screen and background them as I do all new tenants but looking for some advice as to whether it is advisable to add a non-financially responsible tenant to the lease.

If you are a broker who welcome agents with non-affiliation with board of realtor, or know of a broker who operates like this, could you please connect with me? 

Who can I contact for best rates and terms for non-primary home, NEW build for STR? 

Because our claim was so large $400k+ the check had to be signed by the adjuster (highly recommend a public adjuster), owner of the property, and then went to the bank to distribute draws as work was completed.I would assume if you sell the property the insurance check would likely go to the bank first (as the primary lien holder) and if anything is left over would come to you... 

Hopefully you will have some cash flow to throw at the non real estate debt. 

With some creativity and some carpentry work (usually not that expensive), you can create value by turning a non-optimal unit into one that maximizes the square footage.