And a little skepticism that the market would continue to grow at 5% or more on average (it's been ~7% average for the 8 years I've lived here)@Dave Foster I filled out the BP spreadsheet here for the sell or rent decision, and similar to you advice, selling and investing the profits in index funds performs only slightly below being a DIY landlord, making that seem an attractive option. 

After minor renovations to enhance its appeal, it has consistently performed well on the short-term rental market, particularly on Airbnb, where it maintains a high 90% occupancy rate.

Underwriting will assess the performance and appraisal of the property based on traditional long-term rental comps.

Yes, you read that right, the American system was designed to best facilitate FAILURE not success. because when there is freedom to FAIL, it comes from consumers ability to choose, choose who is worth it, who isnt, and the poor performers fail and the good performers are rewarded. 

The best bet is to talk to a small local bank (or three) about your options.

A local broker will be your best bet. 

The best bet is to ask a local landlord attorney what is and isn't allowed in your area. 

Good luck. haha i would run away from anyone self-proclaiming as "financial expert" with the expectation to "meet the guru / mentor/coach / master of all business" in his/her personal residence lol I have not google him yet but I bet he is taking picture in front of luxury house and driving sports car ?

They were all non performing - many renovation loans where little reno was done and maturity date already passed - guessing it was inexperienced borrowers learning how to flip and were getting "easy" money. ya they took me out of about 14 of my deals and well being that I was getting paid it was not my place to coach them they made loans far in excess of my positions. 

Your best bet at this point is to get together with an architect and see what your options are.