Each insurance company may have a different way they calculate and pay for dwelling coverage.

When I did my research for buying my properties in Costa Rica, I had one of the big STR management companies like Evolve analyze my potential profits and I used that info to raise money through bringing on partners to buy the properties. 

There's no doubt you'll find success over time!

The insurance company will send you copy of the tenant declaration page proving coverage, and they will notify you if the tenant ever cancels the policy or allows it to lapse.HOW TO SHARE UTILITIES 101You have a property with two or more units and the utility meters are shared.

Much easier if your local contact has worked with these companies before.  

Would love to hear success stories from the past.

I have noticed that as companies they grow, their quality and attentiveness tend to decrease. 

Yes, they can dispute the charge and then the CC company will have to open a dispute that you will have to answer to attempt to get your money. 

Even with some people I believe are honest, I simply believe most do not properly analyze and manage risk, as is evident with nearly every syndication doing capital calls right now because they didnt properly plan for rising rates.Dave Van Horn however, along with his company PPR one of the few people I trust in the real estate space.

There are very successful STRs here, you just have to know the best areas to be profitable.