From what you described, it sounds like the property could be considered a condotel and most likely is ineligible for conventional financing per FNMA or FHMLC.There are fixed rate options but ensure to compare to current ARM and see if it makes sense to refi  ARM is not a bad or risky loan, so long as you understand it’s components, i.e. caps, frequency of adjustment, index that it’s tied to, and the margin.

They would have no liability anymore more than your homeowner insurance would have, which is none.HOWEVER, every escrow and title company email I receive now has a warning about the frequency of wire fraud, yet very few of them are taking even the obvious precaution of using encrypted email.

There are calculators on this site under the "Tools" tab that you can use for free with limited frequency. 

and surprisingly it was pretty comparable in terms of types and frequency of the crime.

cadence/frequency of opportunities to shadow/ etc) If you're a RE investor, what would be appealing to you (and fair to me)?

That will be required for it to be a secondary market loan, meaning a loan at the interest rates you see advertised everywhere as "awesomely low".Otherwise you'll probably be looking at a commercial loan, which is amortized over 15-years, 20-years or some other time frame, and with an interest rate that varies with some frequency. 

@Jordan ArcherThe fees will vary somewhat depending on who you work with, how the plan is configured, what type and frequency of investments you are engaging in, etc. 

One of my concerns is the frequency of the list updates.

But are less frequency as they move up the income scale.

As criminals become more familiar with this, these crimes will only increase in frequency.550 is a low credit score and I wouldn't accept it without risk mitigation.