The liability coverage is way better, the building coverage is often better, and commercial policies typically cover loss of business income as well, which a homeowners policy isn't going to help you with.California + wildfire area + STR is super tough. 

I wouldn't focus singularly on individual city initiatives/projects and would recommend focusing more on fundamentals.

Whoever gives me the most business and has an excellent close record will first be presented with off-market opportunities. 

From real estate investors to other small businesses, I talk to people daily who have no idea about the potential liability under the Telephone Consumer Protection Act ("TCPA")(47 U.S.C. 227 et seq.).There are two initial issues that can create huge problems with your suggestion.

And technology aside, this business hasn't changed much in the last 20 years.

I personally used business credit cards to BRRRR a deal—no money came out of my pocket.

This will help attract more business to the state, keep it coming! 

There may be a way to reduce property tax reassessment by using LLCs, but it is a complicated plan, takes time to complete, generally needs a business purpose, and is not without risk. 

I'm really busy with my w2 job working all the time to fund my investments. 

We're living in times when franchises go out of business overnight, but healthcare will never be since it is essential.