If you didn't specify, then the person you were talking to might have thought you were just talking about a short term rental / Air B&B.

It is pretty well known that the more boxes you can check off on your air bnb listing far as what amenities and features you provide the better.

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

Also worth taking a look at cities and metros in person, although the flight and hotel/air bnb can add up, you can generally write those costs off, and in general getting on the ground and feeling the energy of a city or market can tell you a lot about the intangibles there.  

You can make minor adjustments based on the type of appliances (dishwasher, clothes washer and dryer, air conditioning, etc.) and the size of the rental.

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

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?