My regular insurance policy covers rent loss, but only in the event of a catastrophic occurrence  ( fire , flood, etc). 

Plus, you really want to co-own a 4-unit that only has 3 tenants in it to make it cash flow with someone who has zero real estate experience? 

I've been working on a project to tap into the evolving tiny house market and have ZERO clue as to what a real estate developer does exactly.

There are many realtors that either won't take that type of listing or spend zero time on it while the seller just goes along for the ride and realtor is hoping to make a small commission for little to no work. 

This skill can easily translate towards a Real Estate Business Plan if you don't have the experience.2b) People skills - Just because you were a Waiter or Waitress, this may not translate to dealing with tenants if you have had ZERO experience other than being a tenant yourself.

Need to know if it’s covered with my policy.

On a different note, I've recently heard that STL is adopting policies that are making it more difficult to profitably run Airbnbs.

You will be influenced by today's financials needs (greed or fear) and instead should formulate a policy for accepting tenants beforehand.

If one day is higher than another, it will help you zero in on the cause.

I love how easy everything is working with the policies online.