Assuming you are referencing the city of Atlanta, the STR and MTR rental regulations are complex and strict, but many adhere to them.

It is good that you are doing research for the regulations of the different cities.

Splitting this house isn't an option as our HOA is very strict about single FAMILY residency.Does anyone have advice?

Commercial lender got back to me and they will in fact issue me a loan strictly off my note.

There's also growing regulation risk for the investor, thanks to the hospitality lobby convincing local Karens and pearl clutching city officials that short term rentals are nothing but drunk college kids and constant crime. 

Ok you should know that when forming a deal like this you need see which regulation will affect your partnership. 

I had 2 STRs during Covid and they were both slammed with people wanting to get out of the big cities with the hordes of people, and away from all the mask regulations, restaurant closures and all that.

But you will buy a specific property, in a specific location, subject to local rules and regulations.

Additionally, for rate-term refinances, many DSCR lenders have no seasoning requirements at all.Easier qualification: DSCR lenders have much lighter qualification requirements than conventional or portfolio lenders, such as no DTI, income verification, or tax return hurdles that can slow down or disqualify loansFlexibility: While conventional and bank lenders are heavily regulated and follow standardized rules, DSCR lenders have much more flexibility and control over their guidelines.

@Salvatore Spano Yes, some LLCs are exempt from submitting Beneficial Ownership Information (BOI), such as large operating companies with over 20 employees and $5 million in gross receipts and certain regulated entities like banks or insurance companies.