Mind you, they were offering seller financing.

Hello does anyone know know where I can find insurance for a California rural mobile home park?

That is what I would be offering to people.

Genrally a fully delegated bank with correct licensing can offer the approval. 

It seems like now the differentiator is offering a place larger, and nicer than a hotel - motel room.  

As an investor and agent in the Florida gulf coast, I just like the feel of Destin and what it offers more than Gulf Shores for the STR market. 

If you're making cash offers command a better price and buy properties correctly.

I have multiple STRs so I have a lot of deductions (Insurance, utilities, repair, rent for arbitrage...) 

If it was large enough they would not have gotten a new certificate of occupancy, live in the property or been able to refinance or get another insurance policyI don’t see this as being an issue / big deal.

Over the long run you will pay them MORE than you get that is why purchased warranties and insurances are HUGE money makers for those who provide them.