So I need to clear the air a bit with Fund & Grow.

I know Fairbanks Alaska was ranked as the #1 place to invest in Air BnBs in the US via Air DNA. 

That looks mostly cosmetic from the photos, but I thought I saw an interior air unit so the HVAC could be shot, basement flooring is just concrete.

I can also put it on my phone. we had a IRS agent that just wanted to take us to the wood shed.. she disallowed more than that.

I have helped a handful of Hawaii investors purchase Air BNBs in Independence as well and just North of the River.

The statefarm agent I am working with is assuring me that it will be "written as a seasonal/secondary home for you with the endorsements to cover the air B&B"Is this adequate or should I be looking for more commercial full rental policy?

All of the things you are stating - like an Air BNB listing, actual rental, postings for rent, etc are great tools to reinforce your intent and use as investment. 

Kind of like the 1k deposit on a Air bnb where U can buy the same type of insurance for 50 to 70 bucks one time. 

I’m active duty Air Force and ran into the same issue at my last base.

Has anyone done well in the Phoenix area near Dbacks and Suns stadiums with renting out properties for Air BNB?