If you have a partner and are a minority owner or LP in the deal, you may find something, but that doesnt sound to be the case from your description.

Account Closed a PMC has two options to get liability insurance (tenant slip & fall) protection:1) Get added to owner's policy as Additionally Insured (NOT named insured).2) Setup a master commercial policy and add every property they manage to it and then charge those owners the cost of the policy.Otherwise, a PMC CANNOT get liability coverage on a property they have no ownership interest in.So, nothing wrong with their request.

His "owner occupied" loan application is ok if he intended to live there when he applied.

Do these messages disclose that you aren't speaking with the actual owner if you aren't? 

I wish all the STR owners luck.

They're not out to just make money, but take care of homeowners, business owners, partners, etc and their well-being. 

Many people on Sec 8 but also many market rate tenants/home owners.

They were referrals and the business started to grow simply because I had a competent team that was responsive and looked out for the owners' best interests.

Property owners can apply for an STR permit now, before the effective date of the new plan, and can operate thereafter (i.e., be grandfathered).

They get a higher return since they are covering housing cost, have the $250k per spouse primary residence deduction in gains, is a savings account, higher leverage position, lower interest rate possible, will pay more premium for location, etc.House might be overpriced for REITs but not for home owners.