Along the way, I called TLBC and they also called me and I learned more over those conversations. 

I'm sure you didn't start out like that, but over time you refined the system.Congrats to your success.

Thinking about throwing the balance on my business card and pay it off over time.

Over the last 5 years you're looking at a Compounded Annual Growth Rate (CAGR) of just 3.11%. 

Apparently in "California: Guests become tenants when they stay for over 14 days within six months, or seven nights in a row

They will only finance up to 70% and you can't be over 70.

They have told me that they have lost their deposits over really minor things like cig butts in an ashtray or empty beer cans on a table. 

But, what they also sell is discontinued and misordered Lowes and Home Depot Merch.I have purchased over $200,000 of building materials from FTA.The number one item they have (and only periodically) is bath and shower tile.

No issues with @Costin I. deciding Steadily wasn't your best fit but you're painting with a very broad brush to say their insurance is only for total losses or that they're systematically over-insuring their properties to keep deductibles high. 

If there are lots of active rentals, then it very well isn't below market as there's substantially more supply than demand.