I'm looking for insurance options in Las Vegas.Any AirBnB landlords have experience getting supplemental insurance for rooms or guest houses they are renting off of their primary residence?

You have to do the roof on that house and it costs $7,000, well you had the cash on hand and you don't need the cash flow to live so you just don't make any money for 1.5 years as you replenish your fund.The issue is a lot of people spend all that cash flow and don't have the liquid reserves or supplemental income to handle a prolonged vacancy or major capital repair, so they should be accounting for this and putting away money for the inevitable. 

I was always spending money in the name of being a Realtor (MLS monthly fees, yard signs, clothes, meals, gas, websites, promotions, etc.) but very little was coming back so I decided not to renew my license.

I promote the concept of passive investing, because for most people, time is their most valuable asset.   

To think that I started on this quest merely to supplement what I currently have and to put to work whatever  modest amount of "excess" I have from my current job.

That's a play out of the tried and true MLM lifestyle.... the successful ones make a huge chunk from promoting their success and offering to train/teach......for a fee.

I don't promote anything.

No investor is infallible, and what if the advice or strategies we are recommending/promoting have flaws or flat-out don't work any more?

The sell out neutered,establishment, wing of the Republican Party won’t sign on to anything unless their paymaster, donor class wants it promoted.

Taking out a $20 personal loan at 12% to payoff a $20 mortgage at 4.5% is not going to save any money...no calculators required.There are people who save mortgage interest using interest free periods from credit cards promotions but that's a different strategy.