Dear RE friends,I am a Canadian investor and currently investigating the real estate market in West Virginia area. 

I currently worked with a client who wanted to buy a STR but every municipality I called told me they're illegal.

Happy to connect and get more info, but you definitely will take a hit to your current rate.

Hello BP family.I am currently under contract for my 1st primary home.

I currently have a construction management intership lined up for me during the summer but after that I plan on really taking on this real estate adventure.I plan on house hacking my first property, any advice ? 

If it were me, I would try to buy out the current owner, and do a partnership with your money person.  

I bought it for $165K in late 2021 & current market value is about $185K.

In a better market you might be able to use those things to get a better deal on commercial insurance but in the current market there won't be flexibility.On personal policies/1-4 unit rental dwelling policies there won't be any flexibility whatsoever unless it's something the company already has built into their guidelines/pricing.

Are you currently looking into a refi?

This is the first step.I'm happy to help you figure this out if you don't currently have accurate and up-to-date bookkeeping records in place (also needed throughout the year for a lot of reasons other than taxes).If you want to discuss or have any questions I can answer for you, shoot me a DM.Here to help!