The Justice Department has made it clear in repeated court filing that they do not have a policy not to seize assets in states that claim to have "legalized" marijuana.So at any moment, they can do it.Pop quiz how many states that have "legalized" marijuana voted for Trump in the last election?

Those standards cannot violate either Fair Lending or Fair Housing standards and those require additional written policies and procedures. 

FHA is only concerned with safety.

There are many creative ways to get financing; owner financing, partners, hard money lenders, private lenders, credit cards, home equity loans, borrowing on insurance policies etc.

You should accept them if they meet your screening criteria and make sure your pet policy and amount of occupants is clearly stated in your lease. 

Depending on companies involved, I have seen a vacant policy providing more coverage than a standard policy that the coverage has reduced due to vacancy. 

With nearly all new hotels built today, they are designed for 2 travelers, the business traveler who is most concerned with consistency of their stays and being used to what they are receiving regardless of where they are, and the family, which typically does not use BnB due to needed multiple rooms and safety, a big priority (not sharing a house with the owner or other occupants).

confirm the policy is specifically for a non owner occupied rental, includes loss of rent/income cov, and $1m of liability minimum.

He told me to simply purchase a liability policy for protection purposes so i would be protected as I would with an llc.

Which if I pay will not leave me with any cushion for safety.