We have some credit card debt we are hyper focused on paying down , and 34K in my student loans (not touching currently due to SAVE plan with the zero percent interest).

Probably but it gives you zero cushion which you'll need on a Section 8 property

I wish I had a more helpful answer.You could try your primary insurer and see if you can add a STR policy with it.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

For example for me, CoC does not matter as I buy in A/B areas and I hold long term so I am comfortable knowing even if I have zero a slightly negative CoC to start over the long term it will turn and I will end up with a nice return after many years. 

Policy will not impact the market for a while, even a $25k first-time home buyer credit will need some time to work through the system.

For unknown reason, Zillow was showing zero eviction records.

I would think it depends on the company, and their tolerance and experience with it.

If not, you can get an umbrella policy from just about any insurer.

You need to assure them that you will not tolerate any of these things and will be on top of the property 24/7/365.