For those following along at home, that language is found in Title 10, Chapter 1, Article E, section 6 (or 10-1E-6) in the municipal code.It reads: "The renting or leasing of real property for residential occupation for periods of time less than thirty (30) days is prohibited in any zoning district within the town, except as permitted in this title for hotels, motels and bed and breakfast inns."

Different lenders allow different exceptions on that pre-payment penalty rule, so it may be worth looking at that. 

The second series was just established at the beginning of January and after going through all the steps, FCB stated they weren’t comfortable with the series and did an exception for us the the first time.

(I was going to say except for the person who NEEDS to sell today.

I rarely refinanced unless rates were exceptionally low like in 2012 and later 20 teens. 

However, you will need to pay the additional cost of securing a new mortgage.This is based on:* I added $600 to ARM to cover its additional expense (increases monthly payment to $5,104)* No prepayment, except all paid off at end of year 5 for both loansThese are the monthly movements, I hid a lot of rows for simplicity

However, for me, I would do NOTHING except issue them a lease violation warning and use their uncorrected lease violation as another valid reason to evict them.

There should be an exception to this rule based on competence/education/work experience, but I guess that's hard to prove.

I found very few reviews except one that said it requires a $5000 initial investment and the refund policy wasn't stated.All these social media gurus/coaches say basically the same thing with different hooks to get your attention, his being the "cowboy" and they will mentor you 1:1 and walk you through the steps, etc.

There are exceptions, but I would needs high degree of confidence that the unit is the exception before spending money to furnish.I will add that my long time STRs that have done great are only doing ok this year.