Even if the EMD is covered people use these loans, should consider what other costs there are and potential ramification.

So 100k cc debt total mostly to cover expenses while out of work one-time.  

For example, if an HOA establishes a rule regarding exterior paint covers, deed restriction enforcement would be with that HOA.It is important to be aware that liability for breaking a covenant rests with the titleholder to the property, even if that individual is not the one who technically engaged in the deed restriction violations.

With me as your agent you get to meet me at the house and I bring trash bags and we clean together all the stuff you don't want covered up in the walls.

I don't believe it's possible to cover every possible contingency on what can go wrong, but I also don't believe in adding contingencies as I've been around long enough to see people be sued in other arenas for all kinds of dumb stuff that isn't warranted but is allowed. 

I have been able to find companies that will cover real estate portfolios on one policy in other markets but no luck in the Florida market.

@Andrew Steffens pretty well covered it, I would only add $125 for software fees to run the STR.

They scout all sources and hope to reach a seller who have not added 5% to cover the commission.

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As mentioned above, you can get a par rate at no discount points, but you can also get above par and get the lender to credit you to cover closing costs.