Land Trust" for more information.The trust keeps you anonymous, and the LLC provides a legal barrier in the event the anonymity of the trust is breached and there's action taken against its trustee.

You need STR insurance, not a homeowners policy.Don't depend on any insurance provided by a listing platform. 

I had a wake up call last year when our lender required us to get an additional guarantor on a commercial deal. 

Make sure your seller is an additional insured on the property. 

An ADU addition in a SFH zoned area in my market adds significantly less value than the hands of cost of adding the ADU.  

To raise capital from investors I gave “talks” at various real estate investment groups and self directed IRA providers (about 5 per month).

Our current rental was purchased for roughly $340k 7 years ago and is worth in the mid $500’s now and is paid off, and our primary was purchased for $430k 4 years ago and valued low to mid $600s and we owe $180k.Option1 we are considering are a fix and flip to provide cash for a down payment for a long term rental to allow the rent to cover the mortgage and at least break even.

Additionally, the costs of fixed rate seconds and HELOC's could come down from the double digits or make cash out refinances more feasible to tap equity for those with low first rate mortgage loans. 

Who is providing the policy?

., your question is very broad and without context, no one can provide a specific response.