If they are trying to do that, it is only a matter of time before they eliminate STRs all together.

One piece of advice I often repeat is that the goal of diversification is to reduce or eliminate any single point of failure.  

In a rapidly-rising interest rate environment (such as we've recently experienced) that tradeoff may or may not pay off.Unfortunately, in CRE finance there is no perfect financing vehicle and you can't eliminate risk--you must choose which risk you want.

This resource covers FEDERAL fair housing law, but I think some states (especially tenant friendly ones) may extend protections further and may even eliminate some of the exemptions.

Eliminate debt, establish a budget, and save.

As soon as interest rates or your personal situation are favorable you can then refinance at any time and eliminate the hard money lender.

Realistically if you have around $18,000-$22,000 liquid per house and its at least drawing even you eliminate the vast majority of issues people run into with over leveraging.

This effectively eliminates all taxable income.

Because now we eliminated the foot-print of autos.

Purchase concerns, I only know Roku, but the few apps(channels) that have this on Roku have a purchase restriction option you can turn on to eliminate this problem.