Also, first thing, AirBNB is a platform where you list your Short Term Rental. 

You absolutely want to be concerned with this.I would just argue what you're concerning yourself with today may be totally different in that 10-20 year period.

Lenders typically look for a DSCR of at least 1.25, meaning your monthly rent should cover the loan payment plus 25% more.Seasoning: Some lenders may require a waiting period of 6 months or more before refinancing, so check with your lender to see if this is an issue.If the numbers align, refinancing could allow you to recoup your $136k investment without selling.

Short Term Rentals.

There are cheaper markets that your current savings would go further and possibly provide better opportunity (almost definitely in the short term).

It does eliminate the need to add chlorine but the chlorinators (Pentair IntelliChlor) have a fairly short lifespan.  

If weed is illegal in your state, call the cops every time, issue a written warning, demand a short-notice inspection, etc.

Luxury rentals, purchases and short term accommodations will be in high demand from Santa Barbara to San Diego and a drastic uptick in inventory for sale can be anticipated in the areas most effected by the fires. 

It can take up to three days to serve, then you can file in court after the 3-day period. 

The short answer is No, you don't need it.