Most of my experience lies in the longterm rental property world, but we just picked up a short-term rental in Vermont and are going through the process of getting it ready to go.The property cost about $415k, and my insurance quote for homeowners + liability was about $4k, which seemed high to me.Obviously insurance quotes vary greatly by policy, but wanted to get a sense as to what others were paying and what provider they used.I am used to long-term rental policies, which seem to be less expensive.Thanks in advance!

The reports on TikTok of doge and all these homes hitting h to r market is a joke - clearly people have never sold a home posting those as it's near impossible to get a home ready to sell in a week or two. 

.- The management company offers a hands-off approach including coordinating and managing repairs, getting the property rent ready after a move out and placing a tenant from a pool of applicants that may be waiting for a property to be ready.

Welcome to the community and be ready for a huge amount of information at your finger tips.

Then the investor can come in at the end with final financing and get a new 1-4 unit investment property that is ready to rent. 

If I were you, then I would get the pieces ready, but seek off market/on market projects that make sense for you.

I will keep that in mind when I decide its a strategy I feel ready to take on.Thanks!

If while asking the questions the loan officer says that the sub to property that you are getting ready to buy would become an issue then just close on the sub to property after you close on your refinance. 

Then I think I will buy my first out of state property once I'm ready.

Since then we have focused on my 2024 books and I’m all ready to file my taxes now which is months ahead of my previous timeline.