Just put a tenant in it using your current owner occupied rate! 

2 Is the landlord insurance the same as home owners insurance?

At the other, we had to provide trash service since they pointed out that legally, it's the owner's responsibility.

They could choose to refund the guest without your approval, which is why most people try to drive people to their direct booking sites after the first 30 days.

So $1.428mEdward Jones Financial Advisor, and Edward Jones is the guarantor of the lease (not a franchise owner[1]): 6% cap is appropriate based on comps, paying $100k/yr. $1.67m.You might say "that's bs, the offices are identical!"

Keep in mind that there are two roles you play as a STR owner: that of a RE investor and that of a business owner.

Owner occupied only. 

I was thinking of renting for $1900 a month for 20 years, after 20 years the house would be their's, has anyone else done this type of for sale by owner?

Its a win for the tenants only paying for utilities that they actually use, and a win for you as owner reducing your expenses, & eliminating your risk of utility cost increases. 

Can you guys suggest a seller financing deal I could offer the owner?