What we need though is a standardized way to measure the metrics.

Having said that, there is no problem having SMART compassion and taking safety measures (15 months rent in an escrow account). 

@Reesey Ann - To this point, you might want to invest in some security measures to ensure this does not happen again.

The homeowner measured  WRONG .   

A few things you could consider:House Rules: Make sure you have clear, firm house rules for your STR guests regarding noise levels, shared spaces, and respecting the privacy of your LTR tenants.Noise-cancelling measures: You could invest in things like soundproofing the walls or adding landscaping (like thick bushes) along the privacy fence to further dampen any noise between units.Separate Access: If possible, ensure that the STR and LTR tenants have separate entrances or parking areas.

Tell all US citizens they gotta suck things up, austerity measures, slash social programs 50%.....

I give you analogies, and explanations, I even give you statistically measurable numbers and data to back it up.

This is by design because I realized I was very far behind on my retirement savings and had to take drastic measures or I was going to end up working until I die.

The appraiser isn't an engineer and I wouldn't trust their measurements.

Maybe do it officially for good measure.