The way I interpret the following policy clause is that so long as the property is defined as other than "VACANT" which is the case when the property is being "constructed, altered or repaired", the 30-day time period and vacant status does not apply in this instance: We do not insure any loss at your premises if your dwelling has been vacant for more than 30 consecutive days immediately before the loss and the declaration page indicates an occupancy other than “VACANT“.

Quote from @Tony Lopez: You are in the most regulated corner of the world and have zero experience.

Hi Ken, welcome to the community! 

Proper has the most comprehensive coverage, but it is usually the most expensive. 

I encourage your friend to forward the unredacted prom note to the SEC via this link https://www.sec.gov/tcr Click on Submit a Tip.

I could use the spreadsheet!

I’ve been in the STR game for 6 years, managing multiple properties, and here are some of the tech tools that have been game-changers for me—both for evaluating and managing properties.   

The guy is is in the Navy and invests in Land.

Have you looked into the markets you want to be in?

And I struggle through the expert interviews.