I can understand if it's a nice high 60s or '70s day and you want to bring in some fresh air, but they often do it when it is more extreme temperatures with complete disregard that the climate system is running.

Although many variables are valid the statistics support that the market is not quite heading for a 2008 type collapse or adjustment. 

An area with good and safe parks to visit with the family safe neighborhood and where the climate is not too crazy.

I think offerpad was 6% closing fees and 6% “market adjustment” last time I got a quote from them in Las Vegas.

If you feel the market is going down, wholesale, or adjust your numbers to the decline, and "meet the market, don't beat the market".

Also If I ask the adjuster the above question what's the risk that my broader home insurance claim would be rejected since I had this house on short term rental?

I made an insurance claim with my insurer, Foremost, but haven't talked to an adjuster yet.Is this something that I'll have and problems with getting covered? 

HELOC rate are adjustable, so you won't be able to know your payment year-to-year, and after 10 years a HELOC "matures" into a different loan entirely. 

Looking at cash flow, in most cases it tends to be a more steady and predictable form of income as rents tend to fluctuate less and don't tend to drop off a cliff but rather will adjust slowly.

It may take a little getting adjusted to, but I promise that you'll end up loving it!