As I gained more knowledge and experience, I understood that everything is negotiable in real estate investment, and it starts with evaluating the properties and the underwriting templates.Understanding lender underwriting and income restrictions is crucial for success.

Maybe my analogy was too restricted for all viewers, so try this one… Have you ever tried Telling a fat person that they are fat?

HUD also has occupancy restrictions based on the size and number of rooms.

No matter what you put in the lease, if you know people are living in the space you have to comply with the City and Ohio landlord laws.If you are permitting mixed use, I would start with a residential lease tailored to the City of Cincinnati and add the permissions and restrictions on commercial use.

The town of Sedona and the county are not generally in favor of STRs, but have to allow them per state law, and more restrictions have been allowed by the state over time. 

The odds of the borrower getting all the way through the process is low.

The time thing is mostly just my hours, I work 3rd shift 10 PM to 6 AM and have weekends off so my hours awake are very odd and depend on the day as I do tend to work overtime a lot. 

check with your insurance agent.. also federal law dictates that when your owner occupying your 1 to 4 unit you don't have to follow the normal fair housing laws.. you can pick and choose who you want to live in the units .. now some cities or states may have overriding rules regarding this.. but federal law is clear.. on owner occ 1 to 4.. your exempt from fair housing.so you can have a dog and you could restrict dogs for others.there is a well known list of aggressive breeds that insurance companies wont insure.. this is easy information to get.

I am sure there are things about your husbands life you found odd or unsettling, explain that real estate is also an important part of your life. 

I know Davenport is STR friendly—do you know about Clermont (looks like there's regulation but not necessarily restriction?)