In the case of ACH, the refund automatically goes to the tenant's bank account and landlords are unable to submit evidence to fight these disputes.In the case of a card payment, the funds can sometimes get refunded to the tenant directly or may sit in a holding pattern at the bank until the dispute review is over.

You are being taught a business lesson here by the market and instead of learning from it your trying to fight what you see as an injustice to the "quality" rehab you have done and those "evil" inspectors. 

Instead of fighting the high interest rates as a borrower, take advantage of them by being a lender.

This is not Uber business where Uber is going to fight for you to get legality status, Airbnb as a company would not help you because they do not have an interest in you. 

Nearby Savannah or Providence a couple of years ago tired to prohibit Sec 8, and the investors were able to successfully fight that. 

Otherwise you are DIY running a rooming house and its alot of work screening and managing the 2am fights, tenants leaving their trash in the kitchen iratating the other tenants.Its all doable, just the actual amount of hands on is more then you might think, even if padsplit is in your area and is willing to take your house into their system.   

You have to fight for every dollar because money doesn't fall from the sky. 

If they fight it, it's only because they want to redeem.

The latter everyone fights against, especially if you bring leverage into the discussion of costs.

You can fight this, turn it into a big deal, go to Airbnb and complain but at the end of the day, is it worth your time or frustration?