When you hear something STOP, think on it, ask if it makes sense, then SEEK OUT additional info, seek out CONTEXT.

These are professionals with additional training and a stricter code of ethics.

(The exception would be the rare deal where the property changes hand for a price far below real market value).The sub to or wrap adds a certain degree of ADDITIONAL risk of failure.  

Finished basement as well with additional room (and has the additional bathroom). 

I'd love some help additional set of eyes or insight on features and capabilities.  

It certainly has a large dependency; you are at the mercy of that one OTA.In addition, unless you are at ideal occupancy, alternate platforms can fill some holes.  

This home is not a luxury home so the insurance route seems overkill.2) Buy a worry free waiver and add it to the booking rate?

- We had 2 break-in & furnace & HWH thefts there this year:(File a claim ASAP, you'll need:1) Utility bills to prove electric & gas were on2) A police report, proving a break-in3) Pics/video to prove the condition of the property to support theft claimWhat are you doing to mitigate additional damages?

Pm paid for it because they would incur additional cost disputing it and may never collect from the OTA.  

Worst ADU addition appraisal occur where there is no zone MF in the vicinity.