If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

We’re being funny because there's still a bit of nuance here.There are strict guidelines and it's sometimes a blurry line between being an RE pro vs not.

I would work with a rock solid STR agent in San Antonio to see what places are less strict as I know they have been cracking down.

Some landlords are strict when it comes to late payments.

Absolutely I would not spend $$ on a cookbook, not everyone cooks, and it will likely just go in the trash.Also, the first few months are when tenants are in the testing phase, so this isn't the time to show them you are a softy, it's the time to go strictly by the lease, and this is a professional relationship. 

The only way to effectively determine this is by driving neighborhoods, walking properties &  observing the daily routines of those who live there. 

"Disability",  either SSI or SSDI,  is a source of income, has strict limits on additional income,  and is usually meant to be temporary.  

If it’s strictly an investment, you may need to consider conventional loans or other creative financing options.Cash Flow Analysis: Do a thorough analysis to ensure that the rental income will at least cover your mortgage, property taxes, maintenance, and vacancy periods.

I know the tools aren't always 100% reliable due to bad data so I'm curious if anyone here as experience with STRs in Albuquerque.It also seems like STR regulations aren't super strict at the moment - need to register for a permit and comply with various rules around occupancy limits, acknowledgements, etc - nothing too crazy.

Their rules are not as strict as Freddie Mac.