If you have a county commissioner you could also check with them to see if your STR Rental would be a problem, I would be surprised if the county would do anything to restrict your use.We lend on Rural STR, up to 70% LTV for DSCR rentals, with no seasoning, we can use AIR DNA for income projections.Hope this helps.

I was surprised and now im worried about HOA.

The returns have been astronomical for awhile but the market has started to shift this last year into different areas and surprisingly Old Town has seen the biggest decline.

EDUCATE YOURSELF - yes, it will take time, but will lead to a selection that better meets your expectations & avoids potentially costly surprises!

However, since most of your assets are jointly owned, a single revocable trust might be simpler and more convenient.

We don't have kids yet, so we knew this would be the most comfortable/convenient time in our life to house hack.

STRs also make for a convenient scapegoat for the government when they need to divert attention away from their own policies that make adding more housing units more expensive/time consuming. 

When they moved out, I was surprised how much work I had to do.

Just do not be surprised if the returns are not as high as you hear others get in real estate.

Don't be swayed by convenience; prioritize lenders who will be real partners in your growth.