A platform that updates their data daily or weekly is covering a staggering cost in order to provide that to the end user.

$6000 is a large mortgage to cover for a vacancy. 

Some properties appreciated double during this cycle and the rents still covered the mortgage after a cashout refi. 

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

I think that helps cover the possible fluctuations. 

Also many other Counties in non-covered States also include it. 

Umbrella Policies are good, but they are not an asset protection tool, they only cover litigation/damages after you’re already in litigation or found personally liable.

And, voilà, you have your own guide.Problem is what they'll likely want to know will probably be basic and already covered by those guides.

Or maybe the units aren't equal and one rents for $2800 covering most of the cost of living there. 

Check out this site - https://theluxurypergola.com/blogs/louvered-roof-info/hurric...They cover wind resistant pergolas in general but I would make sure whatever you get will be able to stand up to hurricanes that happen there from time to time.