And if the offer is denied, you get to be right and life will give them the feedback that they need. 

For instance if a tree feel on the house, and the property insurance company found your STR listing on Airbnb, they could deny paying the claim! 

Build the VPN with its own set of IP's so if they are hacked no one can steal and abuse your internet service. 

I don't see why they would deny a claim for a burst pipe. 

My wife was recently denied the USDA loan because of a medical bill still standing.

That depends on local laws as sub-2's transactions have been restricted in some states due to abuses.

Even the appearance of the rooms and floor plan are suspect when photographers abuse wide angle lenses - or are really lousy photographers.  

I actually tried to use Sherpa first but at that time i was denied an account (earlier this year) but they are my go to for skiptracing.

We had them deny coverage until a small shed covered in vinyl siding & pre-painted aluminum trim was painted???

Maybe you will not get caught, but even at a 1 in 10,000,000 chance, it is still too much risk for you to take.As a quick example, if you were to follow the unmitigatedly bad advice of @Arn Cenedella and your "down low" "roommate" started a fire which burned the house down, your insurance company would deny all coverages and then sue you and your wife for fraud.