I do have to pay 2.9% fees when I use it which makes it kinda not even worth doing in my opinion.  

I would NEVER Ever use OBIE INSURANCE  --Not honest in their dealings and do not expect refunds on cancellations  I am of the opinion that they are legal scammers Just be careful

For me, what was talked about above is nowhere near close enough for me to judge or provide an opinion on someone as just because someone changes their name (we have done it several times for different entities) or someone could be co-gp or LP in a deal but not in the limelight) does not immediately set off my radar of "omg this person is not legit or a scam artist". 

Opinions and advice are welcome.

I always enjoy reading your updates and thoughts on the area.So, what is your best area right now according to your data and opinion?

Just my personal opinion - get a mentor or a person who already has good experience running STR business, preferably in your area (but not 100% required). 

She asked my opinion and I suggested removing a few items from the front - which she appreciated.

That’s the most BIASED “opinion” you can ever receive.  

There may be some HMLs that comment as to their opinions.

LTV & CreditEliminate the emotion and treat this like the business it is.In my opinion it does not matter who the borrower is as long as they have a track record of ATR (Credit)And I feel comfortable with the leverage (LTV)