Future multi family homes I purchase could not be with FHA loans if I am understanding correctly? 

I would make sure that One Brokerage has the correct loan product for what you are attempting.

I have had mostly great guests, but the few that I've had that were terribly messy (much of what you describe but also smearing pizza toppings on the floor, having an easter egg hunt (I found some of the eggs) with chocolate in fabric and pink maybe egg coloring staining two sets of sheets) and yet were given 5 star reviews from prior hosts.  

If I read correctly I was directly responsible for your grandmothers friends failed health and she is fearful of her life?

Please correct me if im wrong.That said it seems the airbnb short term rental business is doing okay (some cash flow?).

I scaled up my portfolio from 2 to 6 this year and a little concerned to grow more right now as the housing market is hot right now and I do not want to get into trouble if there is a big correction.

I have tried to get on the phone with Tyler to talk through this with the hopes that he can make corrections but to no avail.

@Dean Valadez you are correct in your thinking.

Maybe I'm misunderstanding.Yes, you're correct.

You may find your current insurance company doesn't and you'll just need to shop around to find someone that does.You absolutely have to have the correct insurance or you may not be properly covered.