My very first tenant knew the pool was unheated, got a price that reflected that, but complained in the review anyway. 

Most lenders will order an appraisal based on STR rents, this helps in the case where a house has been renovated and AirDNA does not reflect the increase in nightly rate. 

I remember reading a quote of his " People don't care how much you know unless they know how much you care"  This stuck with me at a very young age and I reflect on this all the time. 

This sounds like a significant risk and the price you pay needs to reflect that.

Would that then be ok as long as my insurance and umbrella policy reflect that a tenant is living in that single family house? 

This newly identified risk must be and will be reflected in the rental revenue. in summary rents are going up.Appreciation forecast for San Diego continue to predict high appreciation.  

Your claims experience with one carrier may not reflect the average experience.Any admitted carrier should be fine.

You generally just file a SchC (or SchE for rentals) to reflect the LLC's activities. 

We are trusted by some of the industry's most prolific companies and are proud of these relationships because it reflects our level of service and commitment to our investors' success.I would welcome a chance to talk further and see if our firm is a fit for your needs.  

How accurate is this data and is it a true reflection of the area?