In contrast, Indio, Bermuda Dunes, and Coachella currently have more relaxed regulations and fees for STRs, making them potentially more profitable for investors.On that note, I have a mid-century house located in Indio (No HOA) that may be of interest to you or anyone else looking for an STR property in the area.

Relax in the air conditioning after a day at the beach.

None of the three will charge you and all provide a relaxed/social setting that you can ask questions from other investors and professionals. 

A contained small fire that can heat up in a few hours,LEt me add this : If I were a guest and felt like a relaxing spa moment, I would want to walk out and get in.

My 30s were more relaxed, and we (wife and I with 2 kids) hit financial independence at 41 and 39.

Am I being too strict or is he being too relaxed?

One thing that would not surprise me is states setting up their own reinsurance programs for carriers and relaxing the risk retention limits.

Additionally, a property with a pool and a spacious backyard is a huge draw, as guests love the idea of relaxing by the pool and hanging out outside enjoying the fresh air.

Just relax.

You are definitely making this way too complicated...just relax and start over.