My guess is that their mentors are similar, no barrier to entry, and no major organization or entity that holds them accountable for ethics. 

•Set up your EIN and operating agreement.2.Set Up Your Business Bank Accounts:•Open 3–5 business bank accounts to give your money purpose:•Income Account: For revenue and deposits.

It took me 13 months to open a bank account in Belize.  

They must be very low odds because insurance companies are in the business of making money, not paying out maximums.

I dont want cash sitting in my bank account earning nothing.

That would be around $90,000 sitting in a savings account!

Always keep record of where you told your insurance company that the property was being used for STR.

I'm from Louisville KY and traveled to Bloomington for a Big Box company as a trainer.

If you don't have a great accountant which most are not. 

Several were fully permitted and never developed because there were no buyers for the energy at the cost that was needed for the private companies to make a profit--and this was in a state with rolling blackouts during the summer.