They have recently began enforcing a lot of things that they haven't in the past.

But in some jurisdictions there are no local laws prohibiting it and likely few to no local law enforcement will enforce federal laws...But, I think the point you are trying to make is worth noting - it is no longer hidden or considered taboo. 

Yes, we can all agree there’s historic vacation communities where STRs have an informal historic precedent or maintain a supply/demand advantage that makes regulation unattractive to local municipalities, but there’s plenty of others where the investors have overbought, managed properties poorly, and are now part of a perception problem that’s driving bad legislation atop stupid headlines of irresponsible investors who think they’re operating in an ATM industry versus hospitality. 

Not to mention the fact that there is a piece of legislation set to be on the November ballot that can really hinder a landlord's ability to maximize profits with new tenants.

So, I thought I would highlight this recent news story on the current state of Austin’s STR license enforcement.

Your lawyer's concern about the due-on-sale clause potentially disrupting your BRRRR plans is valid and could lead to less favorable refinancing terms if enforced by your credit union.

The 2024 legislative session just ended with nothing. 

Borrowers have to pay their HOA I am not from Florida either but I believe most states allow the HOA to foreclose for non payment of dues most states give HOA's special foreclosure laws that are stronger than a simple lien in order to give the bank 1st priority otherwise an HOA is a document recorded prior to the first and would hold priority if they didn't sign it or legislate that position away.

There is slightly less risk if these MIL and additions have been done decades ago, versus last year, but still worth checking with the building department and zoning to understand what their enforcement is.

How do you actually enforce and get the seller to cooperate?