I can handle obtaining the cleaners/handyman and trusting someone but the algorithms for VRBO and HomeAway are the unknown and concerning. 

But 3 years seems excessiveRegarding an unknown health expense, that's exactly what a heloc or line of credit would be great for if it was above a 6 month living expenses amount

With so many unknowns you can’t afford to take that stance.

Builders are slowing because people rightfully are questioning building at today's interest rates and the unknown of next year, we have experienced our first normal first 4 months in 5 years and people are scared because they never experienced normal (it is the slow season and Easter was early curtailing spring break). 

I personally wouldn't recommend condos because you don't have a lot of control over the HOA, which is an unknown variable in terms of cost.

We've had one confirmed case from somebody who was passing through the area so a community infection is unknown.

The unknown!