Generally speaking when you find more owner occupied properties and less rentals you're in C+/B class.

No syndication experience but there are about a dozen quality RV/Mobile home parks on market in Oregon, several with owner carry options that can be passiv-ish with management in place.

Simply put, many of these distressed properties were put under duress by the former owners financially, not necessarily the location.

We I purchasedthe property, the previous owners updated the plumbing, adding HAVCand updated the electrical.

If you have a partner and are a minority owner or LP in the deal, you may find something, but that doesnt sound to be the case from your description.

I currently manage a portfolio of 17 STRs, some are mine, but a majority for other owners.

California owners, should we increase our coverage, which should result in higher premiums?  

I turn the tables on the wholesaler calls.. if i can get past the telemarketer and get to the owner I then explain to the owner how I can fund deals for them..

The problem is that you don't get an opportunity to do an inspection before you buy.If you buy pre-sale from the owner, you have arrears to bring current, getting the owner to move after you have solved their problem and taken the pressure off, along with the previously listed concerns.

This is how banks verify property owners maintain insurance.