We haven't even discussed carriers raising their rates due to their reinsurance carriers increasing their rates, your building locations (CA, FL, NY, coastal counties/cities, etc.), how litigious is your state, your own loss history/ratio as an individual investor, the carrier's overall loss ratio in a certain state/area, the deductibles you've elected, etc. 

Our buildings are in high growth markets in New York, New Jersey, Connecticut, Massachusetts and Pennsylvania. 

Quote from @Mike Pepperday: Does anyone know, or have experience with tiny home short term rentals in the western New York area?

I visited a few years ago and was amazed with the city.

The demand for vacation rentals in places like Destin, 30A, and Panama City Beach remains strong.

I believe Alexandria city allows it but portions of Fairfax county do not allow it. i would go option 1 personally. 

In Hawaii the debris was systemically removed, wrapped in plastic and disposed at a 70+ acre site the city acquired.

Big Banks like Wells Fargo, BOA, Citi, US Bank, and Chase utilize lending programs aimed to service large swaths of depositors.

We’ve been looking at cities like Fullerton, Cypress, Anaheim, Orange, and Tustin, but we’re staying away from LA County and Santa Ana due to rental restrictions.A little about us:I’m 30, my wife is 28, and neither of us has owned property before.

Our process server charges $40 within the city limits.