This will go easier with water-based than with oil-based poly.

@Charles AdamsThat is a game changing statement for sure and enough to get the plaintiffs attorney excited You will still get a lot of conflicting opinions and the fear mongering is very real.....Some of it is warranted and some is just sales based on scare tactics I have owned in my personal name and been sued personally not really a fun experience haha  

I'm based in Trumbull and actively looking to diversify into the MTR space as my next investment.

While the cashflow is okay- this is an appreciation play.

Plumbing all work, in 2023 we had to bypass some of the plumbing through the attic with PEX, plumber didn’t pull permit for this, so I have about 50% copper pipes behind the walls and 50% PEX in the attic.AC is from 2012, and water heater is from 2018.My fear comes from if anything weird would make the house completely uninsurable, I don’t mind paying a higher premium due to the roof being 14 years old or anything else, not sure how this is going to play out considering the insurance market in Florida.Thanks!

Just know the first several years and in general it's an appreciation play.

I'd be happy to have a conversation about good investment strategies for this area based on what you're looking for.

Based on the policy, I understand that. 

However, if you work with insurers based in Northern NJ you will have no trouble finding something that works. 2-4 unit properties are in abundance here and are often being house-hacked. 

Insurance is likely 100 a month based on other parks I own in the area.