I personally could give a rip about the buyers safety if they dont know any better and get wiped out so what.. but Sellers thats a whole different matter.. a sub 2 gone bad can destroy them financially emotionally physically break up marriages etc etc.

I posted several blowing holes in every new variant of this scheme you dreamed up.I used to build depreciation amortization tables for billions of dollars of assets, was head of balance sheet policy (large chunk of which was amortization) at a Fortune 50 company, and am currently a data scientist doing math literally all day.

But they are slowly decreasing from the fast spike, as the market tries to make sense of rhetoric (100% tariffs on BRICS countries) vs understanding what the actual policy is. 

ONe its not guaranteed your renters can and do get kicked off the system for violating the policies.

I had felt the need to arm myself for the safety of my person.  

Mainstream homeowner policies won't cover sober living because they don't account for the risk of multiple people recovering in the same home

If not, re-check everything - listing, photos, rates, booking policies, etc.Often, newbies have rates that are too high and/or booking policies that are far too onerous.

Florida did just have back to back hurricanes but a proper master insurance policy and coverage usually covers that type or perilYou are facing a declining cash flow situation which is due to the HOA fee's so while there is still a profit and you have equity sell and look for a 2-4 units.

You can also add Cash Value Life Insurance policy and Business Credit to your list of options.

Your insurance policy may cover the damages but the likelihood of renters insurance covering it is close to zero.