During the Rental time, I couldn't claim any depreciation because I made over $150k a yr.

It was a pretty small claim for wind damage to the privacy fencing around the property.  

And you do not somehow 'know" our guidelines that the property and valuation is somehow eligible - thats not a all how lending works.It is also ridiculous that you are claiming somehow that we are "buying facebook reviews" then citing scam bitcoin reviews as fake (why would we buy these spam comment reviews).Stop embarrassing yourself - and again, if you keep doing this publicly we will be forced to take action

Could also be handled POC.Always confirm the amounts claimed to be held by the seller match the tenant records.

I'm also pretty sure that 2 of the tenants are getting government assistance and I think they are longer term tenants.After taxes, insurance and with the owner paying for heat and water the owner claims it is netting $20,000 per year.

Tax certs  have all sorts of additional process's to claim ownership and are far more complicated depending on the state and or jurisdiction.

I have heard Senator Wienkowski claim it is about owner rights.  

I have seen local CPA's claim they can help offset high W2's with short term rentals here in LA.

Other concern was that as this is a 2nd home, the policy would deny claims if I am not personally residing at the premises.

If you do find someone to accept a deed, if it were me, I'd only provide a quit claim deed.