Besides the fact that the drive to Disney is brutal, that community in itself has had MAJOR issues with safety and parties over COVID.

Owner needs to pick them up in his truck every day, pray that there are no parts to return needed and unavailable, watch for the health and safety of every grain of sand, serve food, motivate, problem solve and never cry.  

But think of it this way, if that person were to do the exact opposite of their promises/their word/or opposite of what's spelled out in your contract, what safety measures do you have to reclaim your hard-earned/hard-saved cash? 

The exception to that would be health/safety items required to rent/occupy is such as GFCI outlets in appropriate locations. 2.

Safety and quality of life can/will be influenced by your tenant.

@John Kubilis main reason you want a legal bedroom is fire safety.

Not sure if it is a scam or if it would pose potential safety/privacy issue.

These could be valuable for future investments while you have a good safety net of having a steady place to live. 

My main concerns are health & safety, along with the ability to insure the property for $300 or less per month.

If I could not find one on a property, I would note that as a safety concern and would highly encourage adding one for the safety of the home owners.