I can get in touch with the lender and ask them, or should I try to go to their insurance provider? 

@Ray Dixon, to learn more about short-term rentals in and around the Atlanta market, I would highly advise joining the Facebook group, Atlanta Metro Short Term Rental Alliance.

Taxes and insurance are somewhat high relative to the value of the properties.

The good news is they provide great overhead light along with renters seem to like them in the unit as it sets it apart from others in the area.

I am always looking to improve my tenants' stays, as I have a high return guest ratio with quality tenants, including professional athletes, executives, and more.

Obviously, based on my relationship with the company, I'm not unbiased, but most people here on BiggerPockets know that I value my reputation above all, and when I agreed to join FTF as an advisor a couple years ago, it was because I was very impressed not only with their business model and underwriting guidelines, but with the CEO (Matt Rodak) and the rest of the management team.I have no requirement to invest my own money on the FTF platform; I do that simply because I like the platform, like the deals that are being funded and find the returns to be nearly as good as the private lending I do, but without all the overhead. 

Areas I think would do well are those where people are moving back to or highly desired - Arcadia, Scottsdale, Tempe, Gilbert, parts of PHX, and Chandler / Mesa. 

I like to look at deals on a total return basis and a cosmetic value add boosts that greatly.

Partner Driven was drawn to the Mount Vernon Dr property due to its prime location in Modesto, CA, and the potential for significant value addition through targeted renovations.

It would not be prudent of me to not want some kind of coverage for damages to the property given the investment being made on the property and it's value.