I feel like many investors here are looking for financial independence (FI) and in doing so choose to buy and hold via BRRRR. 

Can I expect to make more profit from this (i.e. marketing fees are less than Airbnb service fees) or will independence be the only benefit?

She has seen extremes and works with the best and probably she expects the same2) She works with folks with money... imagine how may Drs or Nurse Anthologist walk about there in that section of hospital 3) Earning 100K from a large organization is SAME as making 200K outside via independent business after adjusting for job security, health benefit  and all those4) History repeats itself with different variations.

, Fannie and Freddie both have trillions of dollars in mortgages on the books, they know which ones tend to go into default, they've done the homework, they know what risk-based LLPAs make sense, so why not default to copy/pasting from Freddie Mac if you DON'T have trillions of dollars under management and those robust statistics you can tease out? 

My vote would be to opt for flood insurance, even if independently obtained since the HOA doesn't seem interested.

Highly educated (Neonatal Nurse Practitioner), successful and independent. 

If you are not with an independent agent, I would suggest quoting it with one that represents multiple companies. 

Explain how cutting back on some things will help set you up for future financial independence.

-DanYou are 25 or youngerYou started investing in real estate between 18 and 22.You own at least one property on your ownYou are seeking financial independence

It would also be nice to have real empirical pre-booking pricing data, a project I know is being worked on by a few independents.