I'm still in the process of finding an alternative solution but I thought I'd leave this here as a warning for others looking to make a decision.For reference, I'll just post their email response to me here:As we review your inquiry, we would like to remind you of the following key points from our Terms of Use:In no instance shall ShinePay be liable for any of the following:"Lost revenue from service interruptions.Lost revenue stemming from delays, malfunctions of any product.unauthorized gains access to your account or due to shared passwords or if your password is hacked.Destruction to properly, places, or personal injury resulting from the installation, misinstalling, or misuse of any product.Lost revenue from entering the wrong account number for ACH or other bank transfer or money transfers or due to any delay in receiving funds.Damage to your structure, machines or car resulting from use or installation of our products.Any funds collected that are paid to a person that does not own the property.Any harm from defeating the lock and technology that controls the lock to a device.Failure to properly service any product or machine."

They found nothing wrong and the stove was fine.

It specifically says it is not for real estate investment, but I believe you would be buying an operating business vs just real estate.This is so helpful Michael, thanks so much!  

I don't think Danbury is a big house hack market, but I could be wrong.

I didn't want to list this under Scenario 1 as it's redundant and whether or not having more control over your down payment is a pro/con is pretty case-specific.3. ???

Maybe in the future you might see sellers request bitcoin or a bitcoin based crypto currency specifically for real estate transactions. 

Focus on a specialty/niche whether waterfront, multifamily, vacation props or even just a specific neighborhood to be THE expert.

Even if the specific booking is not from Airbnb, the entitlement is permeating the market in general.I do like how pretty much all of the OTA's offer trip insurance. 

Can you ask a more specific question?

Insurance is a lot trickier and somewhat state specific.