I would shop around, maybe the LO you're dealing with is inexperienced and is mis communicating or they may just have odd lending practices?  

I think my best bet is going to be to add value to a SFH through rehab. 

that my be your best bet to start with

I'm betting there is an app for Android, I just wouldn't know which is legit.

That sounds odd/off to me. 

I think it’s a long road.I’d just be willing to bet handsomely that occupancy is a huge challenge, revPAR suffers, and asset values fall in many STR markets over the next few years, and fear that the Smokies may have among the highest risk.

I really see Columbus Ohio as an extremely safe bet for the next 10-20 years.

The odds of you ever being sued for more than your basic insurance will cover is about the same as being struck by lightning.

I bet they got their "information" from the internet.

It seems odd to do that for a 3-month stay but not sure.