Even with full coverage insurance you will not receive enough money to actually rebuild your home to today's building codes.  

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

As soon as people receive their tax refund checks, they will be knocking down your door.

They don't all offer the same servicers (default management, document services, tracking of taxes and insurance, escrows, etc.), but I am with you that communication and competency are key.

I think you can through BP or through the aforementioned REI meet ups more than likely.i am inclined to agree with a previous poster in that i'm not sure driving for dollars will necessarily yield you what you are looking for.Network with as many other MF investors as possible in your area and find an agent that knows the market and can at the very least set you up on an MLS search for your criteria.Coupled with BP's deal analysis calculator you can then begin underwriting properties you receive from the MLS with your agent or on your own to better understand your market and tailor your expectations moving forward.I'm an investor focused agent that focuses on MF and while we are not in the same market if you have any questions about moving forward with MF LTRs i'd love to see how i could help.

The good news is, if you didn't do anything wrong and you have proper documentation, you don't have to do anything.

Hundreds of hours spent listening to podcasts and reading books on and off during that time kept the dream alive and prepared me to take the leap when an opportunity came up.I had received my real estate license about a year earlier to make some extra money but we were hitting a point in our debt and near future expenses that I knew I had to step out and make something happen.

Regarding the advice you've received from others, the best thing to do is to learn your market. 

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

My question is this - does Johnson City receive enough visitation to justify a successful STR?