@Kaaren Hall after seeing your post i called them right away, their fees are extremely high for an HSA that for the most part most people don't have a lot of money in.I max my HSA every year, but if you have a self only plan you can only put about 4k /yr  and if you have some medical bills it's less.they are also very restrictive on taking money out, and no CC to pay the doctor. prior to speaking with them I was extremely excited to see this opportunity you suggested,  but after my conversation I'm no longer...I will look for other options now that I see there may be some, so thanks so much for bringing it up.

The window guideline also has a height restrictions, homes built hillside with a room on the lower level are not always considered bedrooms because if the window is too small for a fireman to get in , in case of a fire it doesn't comply with the guidelines.

However, sold data is restricted in a lot of states so it's not accurate comparatively.I have always found the overall interface average.

They are much less restrictive than other municipalities in South Florida that are actively trying to reduce the number of STRs.Let me know if you'd like to talk further on the topic! 

Most of the places along the coast heavily restrict STRs.

They are very nice and can be helpful providing you what you can and cannot build on your property (Set back, height restrictions, front look etc).

Do Snowbirds usually like ground floors since They might have restriction climbing stairs. 

In light of that did the developers wind up getting a pretty decent deal out of this after they took a big risk on a property with crazy restrictive zoning and no clear path forward prior to purchase?

An HOA can easily restrict someone trying that strategy. 

Deed restrictions are an encumbrance, restrictive deeds can expire and a seller may not be aware if covenants expire or you can use deed restrictions as a negotiating tool and may still change the use without violating a deed restriction.