They could work with an existing lender, do some marketing to help broker, get a cut and make FARRRR more $ with zero risk vs this EMD lending. 

Real estate agents in Ohio aren't allowed to lie about receiving other offers that don't exist, but I've seen it happen before.

This policy will provide additional coverage above what your existing policy covers.

One challenge was getting the hotel occupancy up after renovation since no one had booked or stayed in years so there was no existing guest base.

Family committments can be pink (or whatever color), money making tasks (green), follow up for leads/lead generation (yellow).If it's on my calendar, it exists.

Many times they do not realize the adding of the adu makes their existing unit rent controlled.  

Yes it exists, but as the above poster mentioned, lots of hoops to jump through.

•What challenges have you faced with existing platforms?

Bottom line sub too is an advanced strategy that should only be done by Experienced investor with significant cash reserves or access to lending/like substantial LOC that already exist and can be taped at a moments notice. 

But ...The first thing I observed was the replacement cost portion of the quote, was, IMO, less than what it will actually cost to demolish the remains of the existing structure, pay for any hazardous waste removal following a catastrophic loss, and actually pay to replace the property in the event of a total loss, even though I used the quote feature to increase the replacement cost value by 20% (the maximum it would allow).