You using an excess and surplus carrier.  

Flood: Typically provided on a separate policy but a few carriers now offer it as an endorsement to the DP3 policy. 

I am at the point in my carrier where I have to make a choice and it's a tough one.

Preferred Insurance carrier for multi family units I currently hold?

So I need to find a personal liability insurance carrier that will cover my 5 rentals (and more as I am looking to continue to buy), plus my residence.

Like others stated above - If the  property was damaged and under repair then yes you should be able to collect for loss of revenue on that policy.Most commercial policies can include an endorsement for that type of loss but I have not seen a dedicated commercial policy for short term rental from any of the carriers I deal with (yet).I hope that helps.

Prices on Trane and Carrier equipement will come with a higher cost.Feel free to call me if you have any questions. 

Does anyone recommend a nationwide insurance carrier for SFR's, MF's, as well as my home?

Most hard money lenders will give you money for the short term, sometimes even 3 years, but the interest is high. 203K loan is an FHA type loan and carrier a much lower interest rate and will help fund the repairs.

Correct, and also I'm not sure if the carrier won't deny a claim with the excuse that i wasn't a landlord and i don't have any lease with the occupants.