Just looking at Zillow I’m having a hard time making the numbers work between prop taxes, insurance, management on 20% Down vs cash currently earning 5% (albeit that 5% going away soon with rate cuts)  To be completely honest, there's not much right now that will give you decent cashflow without getting into a full rehab.

My wife and I are starting our journey with our first STR and I wanted to ask: Should we use an LLC for our Airbnb, or would an umbrella policy on top of our current insurance policy suffice?

Ask to speak with some of their current owners and current/former tenants.

Yes, i would love to house hack again but am currently struggling on the next phase of 'where' to do it.

I’m currently exploring the Short-Term Rental (STR) market in Ft.

Here’s the situation:Purchase Price: $540,000Down Payment: 20%Mortgage Rate: 7.125% (30-year fixed)Monthly Expenses (Mortgage, HOA, Taxes, Insurance): $3,706Realistic Max Rent: $3,000As you can see, I’m currently short $706/month even with max rent.

- The property is probably NOT as profitable as you think it is.More reality for you - how are you going to cashflow enough from leveraged rentals to replace your current income?

Anyway, the current auditor set the current rates, and is still at the job..https://www.hamiltoncountyauditor.org/

.: Hi there, my STR in the Hudson Valley, NY is currently insured with Proper.

MLS, currently looking at other ways to acquire properties.