Personally, I don't think you have a shot in hell of assigning the liability to the tile company.

So how about an estate where person passed?

AI can do a lot of things well, but it can't handle subjective information.

However, my uncle who handles short-term rentals suggests I might could make much more turning it into short-term rental. 

Your best asset would a friendly real estate agent. find the right person who's willing to help you and educate you along the way. 

House hacking will also give you some personal "property management" experience.

I have never personally had issues with insurance even in the valley for my clients now that I think of it. 

I now have the EMD lender blowing up my phone saying he needs to get paid and if I dont pay him by a certain period or pay more money due to the length its been he is going to "blast" me on his social media and stating he is the "last person I want to mess with", is this allowed? 

I have not heard of a Personal or Business policy that covers loss of rent due to a tenant chosing not to pay. 

So, I may have to find out who this person is or simply go to closing and be prepared to deal with this occupant.On the other hand the bank is having trouble providing the legal corporation paper work required by my title company. here is the latest email from Title to Bank: “Please have the seller (the  bank) contact their attorney to provide the needed paperwork.