Purchased with commercial 5 year ARM since we planned to use as a short-term rental.

Commercial 5 year ARM.

A buyer cannot profit as an agent off a short-sale transaction since it is Arms Length.

Thanks most likely that data is not accurate and not an arms length transaction.

.- For appreciation, I look for a minimum of 2.5% YoY growth in median house values over the past 20 years but I don't use this explicitly in calculations.

They with make you wait a week or two for the repair or charge you an arm and a leg.

Since I think we can all agree on the answer as no - a court would not look at that as an arms length transaction and thus give you zero asset protection (note not a lawyer just someone with some common sense)

To ensure sellers feel secure, our contract explicitly states that if we miss even one payment, theseller regains full ownership of the property within 30 days.

Get a 5 year 70% LTV DSCR ARM loan interest only at 8.75% and rent it out for minimal cash flow, hoping the value will go up after 5 years?

Make sure it explicitly explains the process for termination if you are unhappy with their services, especially if they violate the terms of your agreement.3.