I paid a local tow truck driver $100 to stop in front of their trailer with his truck and start measuring his trailer while they were at home watching and then knock on the door and ask if tongue and axles were under the trailer.  

Limited Regulatory Oversight: Fintech companies that operate without a banking license may not be subject to the same regulatory scrutiny and consumer protection measures as traditional banks.

This is a common issue, but having stricter cost control measures or a contingency buffer in place could help on future projects.

I’d appreciate some feedback on my current approach and advice if any.Here’s what I’ve done so far:Pre-Approval: I’ve secured a pre-approval amount and interest rate from an online mortgage lender.Property Analysis: I’m using the mortgage and STR calculators from BiggerPockets to assess the financials for potential properties.Neighborhood Research: I’ve been exploring different neighborhoods using Niche to get insights into schools, safety, and livability.AirDNA: I’m considering subscribing to AirDNA for data on occupancy rates and rental income estimates.Questions:Is AirDNA worth the investment for STR data?

Institute additional phishing attempt trainings with your IT group.Increase Cybersecurity: Ensure your software and safety protocols are up-to-date.

Unless I think I can time the market, I am going to keep deploying my cash in something better than that.I am also bearish on treasuries, which I think will generally see yields rise (and values decline) on anything with longer maturities (yield curve normalization and long term downward pressure on the ratings/"safety" of US gov't debt).

But ignoring the safety of your guests could cost you everything that you own. 

If you just want to throw out a general amount for safety, I would say 15k, but there is a lot of good advice above on how to judge it.

The thought of making that a 25 year commitment instead gave me a slight feeling of safety so right away I started paying an extra $100 in principle to my mortgage every month. 

To maintain the Premises in compliance with the applicable health and safety laws of the state, and of the local units of government where the Premises are located during the term of the Lease.