That is not to take anything away from the other excellent brokers in my area or that I work with regularly - but nobody offers the breadth of coverage, or proportion of quality closed STR sales or client performance (at least that I'm familiar with..) 

It can also help to supplement your income while you hold your W-2 job without all of the expenses of being an agent. 

Just be mindful that home warranties can be hit or miss—some investors find them slow to respond or limited in coverage, especially for urgent tenant issues.

Also, some investors have had luck bundling with umbrella or portfolio policies after closing.Glad to hear you’re planning renovations, some carriers may be open to binding coverage with a rehab plan in place.

Litigating with a title insurer that has disclaimed coverage?

Markets like Citrus Springs, Ocala, Palm Bay, and parts of Lakeland still offer new builds at reasonable prices with solid rent growth potential.Let’s break down the pros and cons of your approach so you can move forward with confidence:Pros of New Construction for First-Time Investors:Low Maintenance: As you said, everything is brand new - roof, HVAC, plumbing - which means fewer surprise repairs in the first 5–10 years.Warranty Coverage: Most reputable builders offer 1-year full warranties and 10-year structural warranties, reducing risk.Strong Tenant Appeal: Tenants love new homes - clean, modern finishes = higher rent and lower turnover.Builder Incentives: Credits toward closing costs or interest rate buydowns can be great leverage.Ideal for Out-of-State or Passive Investing: If you’re not planning to be hands-on, new builds tend to be smoother operationally.Cons & Watch-Outs:Lower Cash Flow Upfront: Because new builds are usually priced at a premium, cash-on-cash returns may be modest the first few years.

Insurance SetupFor those renting out ADUs while living onsite, do you maintain a combined homeowner + landlord policy, or do you separate coverage for the ADU?

How to, or even whether to finance, or refinance, needs more details to answer including ARV and, calculated by dividing the net operating income (NOI) by the total debt service, the projected income and expenses to determine the Debt Service Coverage Ratio (DSCR).Typically 1.25 or better, it's possible to get it done with lower, depending on other factors that include the operator's three C's of credit: Capacity, Collateral (think location, location, location), and Character.Given a clearer picture of these and other factors, the Buy, Rehab, Rent, Refinance, Repeat (BRRR) method is another option.

I own few rentals right now and I need a liability coverage to protect my assets.

You will need to notify your current insurance provider that you are converting to an investment property so your coverage can be updated accordingly.When obtaining financing for your new primary, you shouldn't get any weird conditions around your current primary unless you've been in it for under 12 months...