A sage person who responds often on this forum said, "Airbnb insurance is a profit center for them". 

Would even be happy to meet in person since we are in the same area.

With respect to paying $44k off on your HELOC, I personally think that is totally fine and a great start. 

Don't spend time looking for something that doesn't exist. also in the US you cannot sue the police.. unless its a direct assault on your person. your wasting your time.. 

And does the person doing the labor get paid or only the materials paid for by the partnership?

Personally I never listen to what the seller states the income is as they are sometimes way off.

If possible, visit some of them in person.

This person has 8 months remaining on their lease.

There is a big difference in how those are handled  HAHA I just saw a post and commented where the person wanted to ask if they should overpay for a home because they can get is seller financing.

As a neighbor, personally I don't care if someone smoke a little weed every now and then, but if they are smoking non stop 25 times a day, you might lose a good tenant over that.