This will clarify and reinforce what you are reading.

This is what I am encountering, in the current Mortgage Industry.If you think you will go FHA, Conventional, FHA 203k, etc. and then Quit Claim the property, to a LLC, or a Land Trust you run the risk of the lender discovering a Title Transfer occurred and activating the "Acceleration Clause" or "Due on Sale Clause" that requires the loan to be paid in full, within 'x' number of days.

Quote from @Mike Grudzien: Two thoughts:1) stay in your STR for a day or two and you'll discover things it needs or that would be nice to add2) use several touch-points to communicate with Travelers/Guests.

Legal entities are set up for this purpose.  

In 2014 it cost me about $42k to do this.  

Sorry you are dealing with that, it sounds awful.My guess is most attorneys are going to charge hourly on something like this unless you are suing the HOA for damages in which case they may take a contingency fee.

It was only after this period ended that I discovered the problem when I encountered difficulties obtaining home insurance.

This is less of an issue here that what you all are describing.  

@Jorge Caceres  how big is this property?   

With that being said, what do you plan on doing different this year in your business?