The very tragic LA fires have generated a lot of discussion about insurance costs.

Find a good agent who can write a vacant/builder's risk policy, then during the refinance have them switch to a landlord/fire dwelling 

I'm a land broker in Orange County, one hour from where the fires hit. 

I know insurance rates have gotten rough these past years but if you don't have insurance all would take is one house fire for you to take a massive loss.

We live in Kihei now since the Lahaina fire destroyed our home, office and an investment condo.

It’s inexpensive to provide but can make a big impact.Comfortable Bedding: Investing in high-quality mattresses, pillows, and linens improves the guest experience and leads to better reviews, which can boost occupancy rates.Smart TV or Streaming Services: Offering Netflix, Hulu, or similar services is a low-cost way to enhance guest entertainment and stay competitive.Fully Stocked Kitchen: A well-equipped kitchen with basic appliances and utensils appeals to families and long-term guests, saving them money on dining out.Dedicated Workspace: If your property caters to remote workers, adding a small desk and ergonomic chair can set your listing apart.Outdoor Spaces: If your property allows, an outdoor seating area, fire pit, or hot tub can significantly increase your nightly rate and attract more bookings.Energy-Efficient Features: Guests appreciate eco-friendly options like LED lighting, smart thermostats, or solar panels, especially in eco-conscious markets.Keyless Entry: A smart lock is a relatively small investment but offers convenience and security, which many guests value.If you’re deciding on amenities to add, it’s always a good idea to research your local market.

Quote from @Travis Timmons: You'll likely find a bunch of folks here that set a pile of money on fire investing in Brandon's syndications over the past few years.

If you only have a homeowners policy, and something happens like a fire or a guest gets injured, and the insurance company finds out you're renting out the house, you're in deep trouble. 

Not sure about fire marshal would love that though, but at least we didn't drywall it 😫

Simply fire them and hire someone else.