Third-have they joined the  Families for Self Sufficiency (FSS) program?

Your primary insurance policy with $300,000 in liability coverage should be sufficient in 99.999% of all lawsuits.5.

Suspect that’s sufficient for most US-based hosts since other channels are more popular with the globally channel managers like BookingAutomation, Lodgify, and others but is a gap for attracting international stays. 2.

Quality > quantity in my eyes, some may disagree with that and that is ok.

Does anyone have experience/recommendations of lenders who work with investors who have moved away from W2 income and can prove self sufficiency? 

For sure looking more for quality over quantity.

We had built the unit ourselves and had done some sound mitigation as well during construction but it ultimately was not sufficient. 

Having contingency plans and sufficient cash reserves is crucial for navigating unforeseen challenges.Please let me know if I am missing any. 

Zoom would be sufficient, less time (driving time) and more productive for both of you.

And if risk is the biggest consideration then you'll be wanting to focus on quality of tenant more than quantity of tenant.