We didn't expect the fact that insurance should cover short term rentals but raises a red flag for lending during the 30-60 day period after closing where they make sure you're not using the home as a rental.

Just prepared to run those numbers with their buyer commission, as that will be changing.Third, the property manager should be the driving force behind how and where you invest in the long term.

Does anyone know of a list site that will provide targeted lists (that are not a scam) like:- Owners of houses who have owned thier homes for over 20 years (posssible repair problems so they might sell for less, or possible free and clear owners who might sell for terms)- Non-owner occupied (burned out landlords)Then one could do a direct mail campaign.

@Terra Padgett as someone that has retired early off of my rental property cash flow, I will say it is predictable at scale, over time.One property does not provide predictability either on short term, or over the course of one year.

I am on my second house hack and to be honest, the first one was a much better deal and makes more sense on paper BUT I got exactly what I wanted in terms of spacing, layout, and location for the second so it checked off a different set of boxes. 

Even if not required, I suggest getting rental loss coverage on your deals. 6 months is suggested.

What are your long-term goals?

My question for you more seasoned investors is, what policy terms must I make sure are part of the policy I end up selecting to ensure maximum protection of my asset?

I want to add that this rental business is for vacation rentals/short-term, rather than long term rentals.

Lenders are not permitted to disclose loan terms conditions or even borrowers names until the loan is in foreclosure.