@Stephan GarciaWe just purchased condo in Destin STR and all the regular insurance companies gave home owner quotes, Geico, Usaa, Farm Bureau, but as soon as we mentioned STR they all said not available.

Per this NY Times article, the average American knows around 600 people.https://www.nytimes.com/2013/02/19/science/the-average-american-knows-how-many-people.html#:~:text=The%20average%20American%20knows%20about,do%20you%20know%20named%20Kevin%3FPer the US Census Bureau, the average American moves 11.7 time in their life, which based upon an approximate lifespan of 84 years, works out to be about every 7 years.https://www.census.gov/topics/population/migration/guidance/calculating-migration-expectancy.html#:~:text=Using%202007%20ACS%20data%2C%20it,one%20move%20per%20single%20yearSo, if the average American knows 600 people and they each move about every 7 years, that means that the average American knows around 85 people that move in any given year.How many of those moves do you want to be involved in?

It's not always viewed as an exemption for an owner occupied as to a higher tax basis as a premium at a business rate, you can also have personal property taxes increase as assets held in the production of a business enterprise as opposed to personal use.

State Capital.I'd avoid Stockton entirely.Take a look at population growth (US Census) and job growth (Bureau of Labor Stats) forecasts.You're better of in the Bay Area frankly.

Financing them is tough when you mix residential and commercial enterprises.

No, it doesn't matter.Credit Bureau's track loan balances, loan requests (inquiries) and late payments.

You can get more granular, down to the city or zip code level on Hometown Locator https://www.hometownlocator.com, which uses Census Bureau stats.Once you identify areas with strong growth within growing MSAs, look for anchors like government or big universities that are never going anywhere and are immune to fluctuations in the economy.You should also look for the strongest school districts.  

As they say, follow the jobs.You can go to the bureau of labor and statistics and look at job growth by city and then narrow down the region and cities that you want.Another thing to think about is are the jobs being created sustainable jobs?

Years ago, I was part of the team that helped to attract the Nestle facility on I-69, along with other industries in the Flagship Enterprise Center (the technology incubator). 

Get your judgement and ensure it is filed with the credit bureau so the next time the want a new car, i-phone, apartment/buy a house, they'll need to settle with you first.