I've read so many horror stories on this forum about terrible PMs. 

But they were selling an expensive house in California and had horrible credit.

Not for a single airbnb like you are seeking (you and everyone else) but because if you start a BNB or a guest house or a hotel, you can get 40% of your investment back in the form of a tax CREDIT that you can sell for about 90 cents on the dollar. 

Use gap funding (credit lines, partners) for the down payment.

Not reported on credit.

Also are you doing credit checks through them?

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

We also do not allow the tenant to patch holes or touch up the paint, because they usually do a terrible job that takes longer and costs more to fix. 

She uses QBO and is linked to my online banking and a couple of credit cards.

am working with them now and had the first policy (with Spinnaker) cancelled for nonpayment/late payment so we rewrote another policy (with Millenial) and having the same payment problem again but at least they are communicating that cancellation is coming. they want me to pay by credit card over the phone so the payment wont be late and cancelled again. but when i go to mycoverageinfo.com to check on status it shows its been paid.