Some localities also make you charge lodging taxes which are not always known when using Airbnb or VRBO.  

It covers the house only and lost rents as well as provides lodging for the tenant if it becomes necessary.

Not 55+ exclusively, but a 14-unit lodging house (aka: rooming house/SRO/single-room-occupancy/co-housing).

Whereas branded chain hotels dominate the lodging market in the U.S., the vacation rental industry has few nationally recognizable brands.This makes competing for awareness and consideration among the 115 million U.S. travelers extremely challenging.

Those city permits are the exemption.The only other exemption I know of is hunting lodges.

Even in a small town I hear complaints of how some guy was smoking pot in the lobby of the ski lodge or hallway of the motel the school kids were staying at. 

I guess if it is in the middle nowhere....hunting/fishing lodge?

As an example, as an examiner I was paid my salary, for travel and travel time, meals and lodging.

Most students who want off campus lodging are usually working and are more interested in their studies than partying.I have had parents co-sign on the lease and the rental app has places for their information.

Assuming you stayed the night (obviously) You're looking at lodging, meal expenses or lodging and a per diem.