Nobody knows what is going to happen with rates...trying to guess or forecast is a fool's errand. 

That way you can use that 2% to do a rate buy down to ensure a better cash flow.If you are buying it as a Primary owner occupancy I would ask for 3-4% seller credit to cover rate buy down and a portion of closing costs.

So I’m wondering if anyone has experience with other property investment friendly insurance companies with good rates before I start shopping around. 

I’m assuming that I’d have to personally guarantee the mortgage as the LLC is fairly new (18 months) and the cash flow from the property is not especially compelling given the current high interest rates.

Debt restructurization is common when rate-sensitive project is hammered when there's change in rate especially with these massive volatility.Now what I see is project with 1.4 DSCR initially is becoming 0.80 DSCR after rate increases 400-500bps. 

That flips as you add units, anything 5+ for example the market for buyers is near 100% pure investor - so value will be mostly determined by rental potential (cap rate)

Too often STR owners are looking at extremely high occupancy rates like nothing will ever change.

Hey BP Fam,I'm going to be in Sandy, Utah Friday & Saturday of this week for the NASP Archery Western Nationals (my daughter is a middle school archer). 

Hello,I live in a pretty hot market, with very low vacancy rates and high property demand. 

Population growth, strong job growth, multisector industry/economy (Never invest in an area propped up by a single industry, or worse, a single company), landlord and business friendly, strong development, strong sports teams (even minor and farm teams), lower crime rates than national average, and good schools/colleges nearby.