I have all my properties with American Modern and Allstate.  

By the way I am looking at properties in a high fire risk area.  

I should also mention that this property is a microloft (<300 sq ft) so fits just a single individual.

Also see if you can pull up rental  and sold comps in the area using Zillow and Redfin and you have to give a   margin of error in their estimates and see if property appreciation is there for that area in case you are thinking of building equity.

I recognize that the CoC return is not as high as we'd like, but it does come with some built in equity (~$100,000)Details:- 3/2 Single family house (1487 sq ft) with a 1/1 ADU out back- Zipcode 78745- Purchase price: $469,900- Down payment: $50,000 plus CC (includes assignment fee)- Seller Finance $419,900 at 3.5% interest; 30 year amortization with a 15 year balloon- PITI $2744.02- Rental comps: $2667 for the 3/2; $1505 for the 1/1 - LTR according to BP (Total $4172)- Repairs needed - minimal, coat of paint and maybe swapping a window unit A/C for a mini split

(We're using it for a downpayment + rehab for an investment property).The tech issues with the bank have made this a terrible, horrible slog.   

I have friends who own properties with 5+ units who Airbnb 1-2 units in those buildings but again there are limits to the scalability thing. 

We have a CA LLC (H3 Properties) but need another LLC for a partnership STR investment on the East coast.  

The appreciation on rent and property values is going to be below the rate of inflation. 

Also hoping to build my Team: lenders, realtors, contractors, property managers, etc.