@Nick Morello  I have a proctor account were I put all of my builders risk stuff... zurich has this product as well.... you just e mail them and address and boom your insured.. they charge by the month..

If that is enough to pay off your investor and remaining repairs, it may work for this.You can borrow less than the 70% if you don't need it, but they would have to be the only lien on the property so you'd have to borrow enough to pay the investor as well.  

@Jacob Henry WirthFrom Huntington beach as well..New to investing have 2 long term rentals here..Interested in scaling and meet-ups..

For most property management services, especially for airbnbs, the average fee is about 20%, with wiggle room up to 30% depending on how well you manage the place.

If they want to live in a well-maintained home, they will comply.

Well that's what I'm trying to figure out, from a room-mate perspective, if the decrease in what the two non en-suite bedrooms needing to share a bathroom with a third (fourth in total) roommate is worth the extra rent I could charge. 

Umbrella policies are more of a protection than the LLC from what I've gathered, but I'm always learning as well so could be wrong. 

Indio is currently STR friendly as well as the HOA but I've heard there may be caps coming soon by the HOA - we wouldn't have to worry yet. 

A sales rep from that company was saying not to worry about it they won't enforce it and they have seen claims paid out... all well and good but what is in writing is what matters when the lawsuit gets filed.

Well then, looks like you have yourself a bonafide hooker...And pay no attention to those who insist you stop judging.