This is why starting a business with "no money, credit, or business experience/savvy whatsoever" is a (I really really want to use some foul language here) joke. 

The CCIM Institute has awesome courses that take you through the gamut of understanding the language of commercial real estate, financial analysis, market analysis, and advanced investment decision making.

They have a greater flexibility when it comes to rates/premiums they can charge, and they also have more flexibility when it comes to the coverage forms/policy language they write.  

The only language I can find is as follows: "Short-term rental means an accommodation where, in exchange for compensation, a residential dwellingunit is provided for lodging for a period of time not to exceed 30 consecutive days."

Realize you will probably be talking to someone who does not have English as their first language, so you need to explain things very simply. 

I feel a tremendous amount of pressure because my mother isn’t from here and English is her second language.

We have language in our lease that tenants must report problems immediately.

The commercial lender is not required to disclose borrowing costs, interest rates and fees upfront and in clear language. 

I may not be well-versed in Michigan's laws, but if the lease you both signed contains that language, then you are bound to adhere to it.

Check with a local attorney to see what language you can use in order to protect your investment without denying a tenant with a real service animal.