Or suggestions for other companies that provide a similar service?

Quote from @Christopher Lynch: I recently watched an episode of BiggerPockets where the guest discussed how he started a real estate investment company and buys commercial properties with 0% down.

Each insurance company may have a different way they calculate and pay for dwelling coverage.

My family also owned a construction company, so I have some experience in handling projects associated with real estate. 

I don't take a credit score as a reliable metric in my market.

Was curious if anyone had a final solution to help on the accounting side of everything.I use QBO for my other company (marketing agency) but hate it and it's not built for RE.

If you are syndicating or partnering with other investors to fund a Sponsor's deal and you are a company doing this (LLC, partnership) then get a PPM attorney and file with the SEC. 506B is easiest but if it is really risky...then 506C is best. 

Quote from @Mark Forest: The company I have invested with has done a great job explaining why this is happening and what they are doing about it. 

These areas tend to attract more reliable, long-term tenants who are usually more financially stable and take better care of the property.

From what I've been reading, cap rate is not a reliable metric for STRs.