I also BELIEVE their biggest concern is tax liability shifting.

Plus i have had some health issues which has caused me to work a lot less.

My concerns would be overbuilding and first-time homebuyers' ability to qualify for financing......which could very well lead to looser underwriting  guidelines.   

Back wooden fence belongs to my back neighbor which I am not concerned about now

Faith in their ability to create an air tight title policy has him geniunely concerned and so we move on. 

Personally the most effective bet is too call other local PM companies yourself because only you can truly express your concerns and maybe get better pricing.It should only take 15 mins per call.

Individual markets vary for sure but overall health of tourism industry is definitely down.

One of the policies we saw had the breed exclusion that said something like... the breed exclusion applies if the dog breed is declared a dangerous breed in that city, state, etc or any surrounding municipality.Literally the city next to the one in question has a dog breed ban that they don't really enforce but as far as I'm concerned would open the door to a dog bite liability claim being denied.

I understand your concerns but you still have to have the funds to put the down payment down and have 3-6 months of reserves unless you are experienced.

Over time, the benefits of house hacking, including potential rent increases and the ability to live affordably while building equity, can far outweigh the initial concern over under-market rents.Keep your focus on the long-term gains, and you'll likely find that house hacking is one of the smartest financial moves you can make.