So technically if advertised on Airbnb or craigslist 365 days a year, I think I should not add any reducing factor for the unrented days, correct?

Many PMs fall short on this because it's not technically required to go out and do PM. 

There are too many technical challenges.

I'm not sure what the technical name for this is, but I'd describe it as a buyer doesn't have enough cash for a down-payment, so they find an investor who pays for the downpayment and gets an equity stake in the property,  but the property is paid for and owned by the person moving into the property.

Technically you DON'T have high end buyers that will purchase the property above appraisal. 

Technically speaking you're correct - there's no way to know what the appraisal will come back at until it happens. 

Technically reserves should be part of the NOI calculation like you are assuming, that isn't always how the world works though.

You need to work with someone to help you understand fully what wholesaling is and how it is technically done.

This is my first post, well technically my second because the first got deleted for advertising my properties for cash buyers.

If you deduct your premiums- the beneficiary would technically owe taxes on the death benefit.