The program can definitely change  kick to the curb no..

Hopefully this will help.Proper Insurance: Offers comprehensive coverage specifically tailored for short-term rentals, including replacement cost coverage and robust liability protection.Allstate: Offers HostAdvantage, a home-sharing insurance program designed to supplement existing homeowners policies for short-term rentals.CBIZ: Specializes in vacation rental insurance with wide-ranging coverage, particularly suitable for homes with additional amenities.Foremost Insurance: Known for its comprehensive vacation rental insurance policies, making it a top choice for many property owners.Obie: Stands out for its focus on short-term rentals, offering tailored policies for this specific market.Steadily: Provides vacation rental property insurance that can be customized to fit the unique needs of short-term rental owners.RentalGuardian: Offers specialized short-term rental insurance products, including options for both property and liability coverage.InsuraGuest: Provides technology-driven insurance solutions specifically designed for the hospitality industry, including vacation rentals.

These can include programs where approval is based on assets you hold (like investment accounts, retirement funds, or cash reserves) rather than just W-2 income.At CrossCountry Mortgage we actually have access to these types of non-QM solutions, including bank statement loans, asset depletion programs, and investor-focused products, that can work when traditional banks say no.If you’d like, I can walk you through what these look like compared to conventional loans so you can see if it’s a fit

Tenant 2 - Her portion is $600 (honestly highest ive ever seen on the program and I didnt think it could account for so much of the rent but here we are).

I think in California, it's a STR insurance program, so it's a bit of a state specific question! 

They're not selling a mortgage broker program.

I have seen alot regarding section 8 and the benefits that come from using the program.

It is a 4 month program for $8000. 

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.