Another caveat: there are a lot of STRs out there that are breaking HOA/local government/state/federal laws or strongly bending the rules, and I'm looking for people who did not do that or who mitigated risk there. 

I take things like this personally, and I wouldn't bend the knee even if it was easier and cheaper to simply pay out. 

I sell real estate to STR investors in a beach market, and one of the main strategies I tell them about (and that I also use myself) is to have a new 4-point inspection and a new wind mitigation report done periodically and to reshop insurance with a few BROKERS.In Florida, these inspections are only good for 1 and 5 years, respectively, so you MUST get new ones--especially if you have had a new roof, added hurricane clips to an existing roof, or replaced your wiring, HVAC, water heater, etc.Also in FL, insurance companies come and go, so there is no need to stick with the same one and just take it when they try to bend you over and raise your rates. 

Most Realtors are not going to bend over for investors like that. 

Hello BiggerPockets Community,I'm Seth, based out of North Bend, Ohio.

But that does not mean you have to bend to everything your client/referral partner wants you to do.

What they vote goes.We almost bought a condo in Oregon (Bend) but the majority of the unit were owned by a single, wealthy family.

I’m in the Big Bend National Park area.We switched numbers, and are meeting in 5 days.

Plus, you don't have to bend over backward to find someone who will give you a 1st position HELOC, you can get a 2nd position with relative ease.

Quote from @Mike Bend: @Bill HamptonI hired a guy off BP for accounting and it was an absolute nightmare.Would HR block be fine for me currently with only 1 STR?