I've found the most economical way to get the most coverage on a STR is to do a 2-policy structure.

For 2024, the premiums are structured in tiers, with the highest tier being for individuals with MAGI over $500,000 (or $750,000 for married couples filing jointly).5.

Institutional private lenders operate on a larger scale with more structure and formality, offering quick and flexible funding but within a regulated framework.

The area has seen above inflation rates of appreciation for the last three years, and there is significantly more demand for housing than there is supply, leading some companies to create their own housing for their employees.

Now with the increased supply of STRs, and less demand, everyone is dropping prices to compete.  

Basically are the two of us treated as one "individual" with this structure? 

Any recommendations on structural engineers that won’t drain my wallet?

Just posts that say get a lot of quotes because they can vary considerably.Need to replace a supply line from the main to the house.

There's just too much supply, too little demand right now and the cellar dwellars are sucking up whatever business is out there. 

I'd be willing to rent it to them, and sell it back to them eventually, but am not quite sure how to structure it.