@Kris RealanderI would consult an attorney and see what the legalities (if you're using Turo- what is the coverage for you) regarding guests. 

That would be a nice way to supplement my income.

Yes i am a Christian just so you know.Well my goal in real estate us to supplement my retirement income by doing AIRBNBs.

For colors we use Behr spun wool (LRV 73) for walls and Behr ultra white for trim (LRV 94) we have found the Behr ceiling paint provides better coverage on ceilings than most other brands we've used.

Or, perhaps the agent is looking out for you as it starts to seem that you are running a business and perhaps should get more / different coverage. 

Many thanks,RoseSomething else to consider is that many people who are able to quit their W2 job through real estate in a short timeframe (3 to 5 years) are doing so by replacing it or at least supplementing their income with active investing activities such as wholesaling or flipping.

Wife had no intention of selling the rental house as it is an investment to supplement retirement, eventually being her childs inheritance.  6.

They are running you through a DSCR (Debt Service Coverage Ratio) program.

You can bring in cash from any source to supplement. 

You can add the per booking charge as a resort fee to each booking, then the guest is paying for the coverage not you.