So it's looking like the coverage Airbnb offers is being modified. 

Accountant said use MACRS (Modified Accelerated Cost Recovery System) 27.5 years.

The 10 year maturity date is where the HELOC will modify into a different product all together.

Example Coverage SetupPrimary Policy: Modified homeowners insurance with a rental endorsement.Supplemental: Umbrella policy ($1–2M) for added liability.Monthly Cost: ~$150–$250 total (vs. $100–$150 for standard residential).House hacking requires customized coverage, don’t assume standard policies will suffice.

This is what I get when I click on your link:"This website is being modified to comply with President Trump's Executive Orders"I couldn't find any supporting evidence of people dying from covid vaccines there, and all of the links to videos on the site have been removed:The fake news about vaccines causing excess deaths has been widely debunked: https://www.reuters.com/fact-check/study-does-not-say-covid-..."

PropertyI found them a new build modified A-frame in the mountains of Colorado.

If it works, then keep doing it.If it doesn't work, modify.

***************************I would modify #4 "4- not having another debt on your PFS" .

Second, would this lender modify the fees if I presented a competing offer?

You can normally modify this as you see fit.