It did seem that they had felt that maybe I was off the hook on the mortgage, which I explained that I’m not, and they paid up on the spot.I do feel they will be good tenants as I bet my tenants pretty well.

Get a solid website and make it credible and do real marketing.I am willing to bet you will benefit far more from that then fiddling with lists!

Your best bet would be to use a mortgage broker that has access to a portfolio of hundreds of lenders and has an existing relationship with said lenders.

I'm betting the really successful Airbnb properties are stand alone properties (the owners are not living in them) and with the loss of revenue it may make sense to sell and conserve cash.

I'd still rather have to come up with $7K versus $22K. :) 

How can anyone tell who’s an owner versus a long-term renter versus a short term renter?

You will invest more in trying to recover this money than the money, so you will chalk it up to a lesson learned and not do it next time I bet!

Best bet is to discuss with some realtors, get the house on MLS so everyone sees it and they will handle logistics. 

@Moustafa Ahmed, as we are all learning more and more with each passing day:  "you place your bet and take your chances". 

Then it comes down to the opportunity cost of doing one versus the other even with the employer match.