She's willing to pay the rent for the next two months to be a PITA, that is her choice.Inform her in writing the need to keep the AC set to a minimum level to protect the health and safety of the property even if she is not living there.

or is it still possible to transfer the home to an LLC for asset protection with a quit claim?   

I've done that in 2-3 of the spots I have STRs in, with that said it made me learn some different areas I needed to protect myself in once I got in contact with the operators. 

If not, at least protect your friends and family like other lenders would want to be protected.

I do have a background in finance both consumer and commercial. 

That MMLLC would be a Wyoming LP to keep some ammoenimitty and another layer of protection for the llcs that own the properties.  

I know a few hosts who manage themselves, but it can quickly become very time consuming with every one-off maintenance issue. 

Partner with a friend to protect both interests, create an Operating Agreement, and focus on saving and preparing for the down payment and reserves.

Limited Regulatory Oversight: Fintech companies that operate without a banking license may not be subject to the same regulatory scrutiny and consumer protection measures as traditional banks.

The other issue is that you want to protect your personal assets from liability caused by your rental property.