If you're going through mental gymnastics to make it work, then it probably isn't your primary. 

We specialize in short-term rental investments through our integrated real estate, mortgage, and property management services, delivering expertise at every stage of the process.

It's highly doubtful, you prob won't find a fully refinanced deal on the MLS or through realtors. 

Have also used list source and prop stream before but the data they provide is very similar to what I pull off the tax records through CRS Tax. 

We have an insurance policy on the rental house (through State Farm), that includes a personal liability section, which is essentially equal to our current net worth.Given that a tenant could sue for more than this if an accident occurred, we are thinking about adding either LLC or an umbrella policy (or both) as extra protection.Any advice on which way to go, and if LLC, any recommendations for a law firm or company the Indianapolis area?

Let's chat soon and see if I can help you think through that strategy a little bit more.

I've heard stories on the podcast of financing 75% conventionally through the bank and basically doing seller financing on the down payment, so 25% to them.

I found the house on Zillow and ended up going through an agent.

When I saw this product offered through CapFree Xchange and Appreciation Homes (out of Dallas) I was hesitant.

Pull out a spreadsheet and go through the tools everyone mentions to run some comparables and take note of photos, amenities.