This first one is my problem child. 

Since 2020 I have gotten married, had 2 children, taken in my grandmother in law and have a 3rd child on the way. 

Once they step on the oven door, the BOILING hot pot will spill all over your poor child's head giving them 3rd degree burns that will require skin grafts if it doesn't kill them".  

Just made an account here to try and organize my thoughts as I don't know where to begin. I'm sure I will not provide the proper information for you all to give me the right advice but this is what I've got:
I'm a so...

I was invested in multi-family, but like ss much better because it's just steel and concrete...the tenants can't damage it and no one ever calls me at 6am complaining that their child flushed a toy down the toilet like you get in multi-family.

Are you going to run a full background check on these people or are you going to just risk your family with renting to a potential child molester or serial killer?

The property cannot be valued in the traditional way, which is why I'm seeking a private lender who will value the property in a commercial-style method via the cap rate.Source of down payment funds: Implied equity (refi)Income Source: W2 for both my wife and IGross annual income (between the 2 of us): ~$300kMonthly debt obligations appearing on credit report, plus (if applicable) personal rent and alimony/child support/etc: Student loans, rent, and what exists for this tiny house.FICO: 725Credit issues: noneThanks for reading this far!

Either way, I could be wrong but I don't think marital status is a protected class, maybe is in your state or local laws, and I think familial status protection is if denial is based on not accepting someone with a child or expecting a baby. 

We don’t have cameras throughout the whole house, so we could not see everything they did, but we did see the kids climbing on our child’s bed and jumping on it.

Adding an umbrella to cover possibilities that exceed your STR insurance policy is important as well.If you have 5 or more STRs or properties, then I can see setting up a series LLC with a primary LLC and each property in it's own child LLC.