If not, they may consider building the ADU and down-sizing into it and renting out the main house.

(Which is why "mesne" often has the French pronunciation "main.") 

Additionally, I know the Waivo product for STR covers intentional and accidental damages.

For example, you invest in 100 Main Street LLC.

Equity skimming requires an INTENT to defraud.  

Property is zoned R2-1XL so pretty sure I can only have two main water meters.

If you have enough money but your business is the main driver of income in most cases you can make more money putting time into the business.You could also get creative here.

My main concern is maintaining a good relationship with the relocation company for potential future stays, as they were very understanding and realized it was due to asthma issues (I have not worked with the company before).I would appreciate any thoughts on how you would proceed in this situation.

Holding the property as TIC for a period before the exchange can demonstrate intent to hold for investment.- Legal and Tax Implications: This strategy involves intricate legal and tax details.

I'm in the Tampa area and mainly had mine in the Pinellas County area.