We are also getting a forgiving loan of 30k for the duration of 10 years from the county for 1 unit if we rent out the 1-bed basement unit to a household with income less than 100k and at the rate defined by the city )(~1183+ utilities) for a 1 bed unit.

After doing this, I then run the property through Airdna.co and/or Mashvisor.com Both of these tools will give you projections of what type of rental rates, price per night, bookings, occupancy, seasonal variations, etc.

Does anyone have a recommendation to a insurance carrier who has good rates?

I'd be happy to have a conversation if you are interested. 

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Most of it is upfront, there are insurers in Raleigh that can get you a better rate for an LLC.

@Jeremy Rosen I am a little interested in STR but have concerns about occupancy rate, chaos from being in the same building as the renters, and the capital to not only buy, but also, furnish the STR. 

The family upgrade, the "just because" bigger home buyer, the empty nester downgrades, the 2nd home, etc are choosing to wait and see, due to news of inflation and interest rates.

My own belief on RE is that we are in a more challenging period than 2012 to 2021 largely due to rate hikes.  

Since this particular lender isnt requiring ground up construction experience, based on our conversation,  I will have land purchased, drawings, construction documents for permits, and surveys complete at that time.