How do they know if this is an owner stay that you blocked on your website, and it pushed over to Vrbo?

If the appraiser pushes back, point out that there are old houses in some markets that have NO rooms with 7' ceilings and therefore 0 sq ft of GLA but OBVIOUSLY those houses are still livable and still have a value.

What we typically see is a contractor trying to act as a bully as most homeowners are push overs.

I have made a career of telling people no and not worrying about it because it's the correct answer.On the inside, the core value I push the most is family.

Agreed, and in many cases, insurance is destroying cash flow if not pushing it into negative territory. 

Then you might be able to push that a bit.You also said you had no luck on the MLS but then said you found the house on Zillow.

Any agent trying to push these obscene terms should not be trusted. 

They will be able to push your deal out to their contacts and find someone who will be interested.

As long as you are coming out of pocket at around the same you would be renting somewhere else then you are still getting ahead in life because your tenants are helping pay down the loan and build your equity.You should also run an analysis putting in what the market rate rent would be of you did not live there.

They are pushing them actually.