It also puts your agent and lender in a tough spot where it could be a perceived "fraud for profit" and they could lose their license and face time/penalties if they knowingly cooperate.

With penalties and interest.  

If you're allowed to object and you're still within your objection period, you may want to review your title commitment for objectionable matters that may give you a right to terminate without penalty.

Indeed, it was same for STRs for a long time and I think that is why seasoned hosts are having hard time understanding the downside of using multiple platforms since there was no penalty of using it at all.

If they choose not to accept the rental give them x days to move without penalty.

I'd find a new builder and have late build penalties. are you building all cash?

They were nice and didn't charge me the 10% penalty though.       

Prepayment penalties- usually 1-5 year terms.

If any of your properties are discovered by City officials to be unregistered, you can receive an administrative citation for failure to register; this penalty can cost $100 or more per property.

However, since you’re switching to a commercial loan, this may not apply—check with your lender for specifics.Be aware of closing costs and potential prepayment penalties tied to your FHA loan.