Looks like it is actually better for the owner as well since if the property management company gets sued and they don't have liability protection, they might charge the owner for the expenses. 

For a lack of better words 38109 is a tricky area.

If you'd like to chat in more detail, please send me a note, would be happy to have a call and get better introduced as I love meeting more local investors! 

ThanksGenerally the more space for heads on beds you can provide the better. st pete is strict with STRs and MTRs there’s about 4 streets in the entire city that allow for it.

Then I work the magic with the numbers and in many cases like now, I have 2 different companies that I have insured my portfolio because for some houses, the one that was cheaper for some of the properties when 3x to a SFH so I moved that one to another company.Insurance nowadays are not small money so it makes a difference to get a cheaper one so that you can get a better cashflow.You don't need to sit with them, but call them and you may need to spend an hour or so to get you setup with them.

Better pricing if they also insured your personal home.

At that point, it's worth researching and finding a solution that better meets your needs. 

years until rents increase or I can re-mortgage at a better rate, if we will ever see those kind of rates again.Also long time lurker and finally joining - I used to frequent this site when I lived and worked in the area years back.

Once you know this, I may be able to make some better recommendations. 

Better for resale and if one bathroom has issues that need to be resolved, your tenants can use the other one while it is getting fixed.