Must have multi-family zoning and be 500+ feet away from another non-owner occupied STR or you must live in the property for 6 months out of the year. 

If using a lender this is a non issue.

I'm fine paying my fare share of taxes, but the government incentivizes us to do what it wants us to do - buy real estate, by giving us tax breaks.

A 4 bed, 1 bath is typically a non-starter.Improving kitchens and baths.  

Your best bet is to read information from public blogs that approach both options objectively.

If you want 100% of your investments in public equity, that is fine and you will reap those rewards or suffer those losses.  

I was advised it would be beneficial to have a reason for non-renewal in New Hampshire in the event that the tenant fights it.

But then, in the public meeting, people were like “uh what about unmarried couples?

From talking to locals, there's a couple of issues than need to be addressed, some are the non-ecological practices that some of those developers have, unfortunately, our government profits from this investors and allows them to destroy manglers (which are the natural water purifying system of that area) dismantling hectares of mangroves and degraded the habitat of resident and migratory species burying animals alive.There's proof of fecal material floating beneath the city of Tulum, only 20% of the water is sent to the water treatment plant, there's no infrastructure for the exponential growth.The landfills in the middle of the jungle that is leaking hazardous pollutants into the freshwater system and that something that developers won't tell you.I love my country and it would be a disaster for everybody if this place ends up like some other great beaches around the world, that are completely ruined by greedy investors not following the rules.There's no urban or comprehensive master plan, and one of the risks is that Tulum will be like Playa del Carmen is today, overgrown and with environmental devastation.I will advise doing a lot of research before getting something in Tulum, different country, different rules, and practices.

If they are on different tax parcels, I will use DSCR for the non-primary deals and then FHA or UDSA (assuming it is rural) for the owner-occupied one.