If you cannot survive without a certain partner and they have greater control over your business, then you need to adapt and conform to your partners demands.In this case, either eliminate ABNB from your operation, or abide by requirements.

I told them that i did not want anything with a water line or ice maker.

For holding security deposits the state requires that you use a bank located in the state of FL.

STRs require a lot more cash up front so you just want to make sure you have a good idea of what you're getting into first :) I own STRs and love it but I also wish I had learned a little more about the analysis and management prior to going live - I did some of that on the back end and could have been successful faster.Another idea is to talk with some owners 1:1 to see what advice they would have for someone starting out.

For a cash out most DSCR programs are going to require that the property has not been on the market for the last 6 months, but there are a couple who will allow after the property has been pulled from the market but will likely have a pre-payment penalty. 

I understand that investing requires some level of risk, but I've heard horror stories, and I REALLY don't want to make any stupid mistakes that will send me to the poor house.Because I don't yet have any experience, I'm wondering if I should invest in some kind of training program?

The other 5% are people who "graduate" to needing a CPA/EA/Experienced tax preparer due to other specialized knowledge required.

I think duplexes require 5% down. 

Both meet the income requirement of 3x rent on their own and have excellent credit repayment histories.

Also if there was damage to the property were they required to have renters insurance?