Second, I received a request from State Farm today: Please provide the gross sales/receipts amount for the insured location(s) as reflected on their most recently completed tax filing or anticipated gross sales for the upcoming fiscal year.This strikes me as a little weird and perhaps I shouldn't jump to the conclusion that this info will be used against us (and result in a higher premium).

IE: not repairing a bad step on the deck etc. it is more important to have great insurance that covers you completely.

I completely understand!

As for my sleep patterns, I use an alarm clock that plays ocean sounds.

Hi, I also purchased the book on audible and almost completed but didn't get an access code.

Final comment: meaning this well, but please don't call it underwriting, it makes me cringe every time a newbie uses the term to make it sound like they are buying institutional-grade investments on a weekly basis.

If you can rent it out as a STR for 10k/month then it sounds like you can make more money doing that compared to a long term rental.

I recently completed the Multi Family bootcamp where for multiple units, property management is especially important. 

I am sure this sounds familiar.

Combined my wife and I make around $270,000 which sounds like a lot but in the SF Bay area its barely getting by.