I agree but I don't understand how they can logically charge a host.  

I am asking because that is a science and often inhabited by regulars who know how to bid you up on the duds if you haven't done it.One tip I would give you before you go into Indiana would be to really take a hard look at your 7 units and 10 doors and see if there are any underperformers in the bunch.

A good HI will go over your house with a fine-toothed comb.If you can find an Ex (or Retired) HI that is also Certified, that would be even better, since they will understand the structure/electrical/plumbing systems in more detail than a regular HI...

Hello Michelle, In order to qualify for a Heloc you will need to qualify just like you would when applying for a regular conventional loan.

In ID I dont believe there is any high balance FHA limits that I know of (Coeur D'Alene, ID).Then again I dont think you need high balance limits anyway as the regular limits of FHA 4 unit property are well in excess of 1.4M and Im pretty sure the fourplexes in CDA arent that high unless you've found a unique Specimen of a fourplex house hack strategy.

I had a bunch of people reaching out to book the place for a day or so to host parties. 

The only thing I can think of is maybe get a co-host to manage the day to day.Are you wanting to vacate the upper floors and find a new place?

There are DSCR products for those scenarios, but they generally price worse than regular DSCRs.

I'm looking to list my property with them but read some horror reviews online from guests (but not hosts). 

Regular check-ins with your GC will help keep everything on track.