There are plenty of restaurants near by to satisfy all appetites.

Each institution has their lending criteria to control their risk appetite.

You can easily be suppressed via your crm or excel list that you manage your records in.

What's your appetite for higher risk strategies like flipping or BRRRRing?

You'll need to determine what you have the appetite for. 

If the person has an illness and is immuno-suppressed  I recommend they stay home before they get better.

You're correct that you wouldn't use hard money on a turnkey asset.Hard money is the right tool to use when you need short term debt to acquire a distressed property that needs a substantial amount of work - a flip or a BRRRR (which is not an asset that conventional/local bank type lenders will have an appetite for). 

Additionally, a security system and fire suppression system will give you more insurance options.  

What seems to be the appetite for stricter guidance/rules around short-term rentals?

So that $1M will buy you as many as 5 units out here.Also consider that employers have a much bigger appetite for remote working positions nowadays.