NonQM "shops" offer a variety of loan types, DSCR being one but they are the lower rates and fees.

When the desert flowers bloom, the crowds go to the desert.  

He will have a variety of answers to your questions.

First, what would we do if the property didn’t make it (for a variety of reasons” as a STR?  

It floods out variety of content, makes for answer burn-out, etc etc.. 

I have the rental properties insured with a variety of lenders and no issues with putting all of them under the umbrella policy.

Ive called and spoke to a variety of people.

I searched and she's posting a bunch of posts on a variety of REI groups all recommending this company.

I imagine it's higher than a typical single family rental considering it looks like the host usually ends up paying for any damage caused by tenants due to a variety of reasons (tenant refuses to pay, damage happened in a common area and it's not clear what tenant caused it, etc.).- Rental loss - PadSplit claims they collect 97% of rents, but I've spoken to a few hosts who have said that a much larger % of their tenants get kicked out owing $500 or more in back rent that is rarely ever collected - what's your experience been here?

It just makes life easier - they shop a variety of insurers and are more easily able to compare apples to apples because they know how the various companies present coverages.