Have you contacted the state insurance commissioner to see what is going on and how they can help?

I am not going to go with a traditional bank at this time with all the hassles that come with them so hoping to find some insight on "TheLender" or any other lending group that allows 20% down as a DCSR loan on a STR, SFR in MN which happens to be a no pre payment penalty not allowed state.

This is probably true in every state.

I use a lease developed in my state for realtors and is regularly updated to conform to ever changing laws.

Whether you live in the same building, next door, or two states away, it is important to set boundaries with your tenants.

See what your state/local rules are for evicting holdovers.

I know there's a lot of discussion on here about blue-state Colorado coming for your STRs, but in the end it was three Democrats and three Republicans who voted against it.

There are lenders that offer HELOCs but they vary by state as lenders are licensed state by state.

As not register with the state, I have seen clients (but you can consult with an attorney on this) go with something like "Alicia and Bob Et Al Joint Venture" as the name for the IRS EIN. 

We build triplexes in columbus OH and contract with a lot of out of state parties.