My name was mentioned as having been the source of information.  

Renting out the property for less than 180 days in the first year is typically one of those conditions, as you've mentioned.

All the markets you mentioned are solid choices for affordability and long-term growth potential.If you’re looking to narrow it down, consider Indianapolis or Columbia, SC, as both have strong rental demand, landlord-friendly laws, and stable economies.

You can only play games for so long.Chances are your next door neighbor is an IRS agent and turns you in when your tenants blocks their drive or some other random event disturbing your IRS neighbor.ADU catches fire and your insurance won't cover you, because it was an illegal and unpermitted structure.The city inspector told the last guy not to build or rent it, and is now pissed and wants to make an example of you and just red tags the whole property and no one can occupy for the next 1-2-3 years while you wait for a hearing.Then when you get the hearing, "staff" recommends you tear the whole structure down, and if you still want an ADU, you can apply for a permit and rebuild it.Your tenant quits paying rent and won't move out and you can't evict them, because there is no valid lease and they're just your "roommate".Probably a dozen other bad things can happen to you when you do stuff like this. 

Lastly, don't wait too long but don't rush! 

For example, I mention that every adult must pay a $30 application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.

I'm not sure if that conflicts with the 150 mile rule mentioned above, but it's worth asking your loan officer.

I also like the fact that they have been in this business since before the 2007/2008 downturn (many syndicators are newer than that) and that they have never lost a single investor's money.Anyway, that is what I can tell you so far - but I've also seen great things mentioned about them on BP and see Brian on BP a lot answering questions for folks.

Another good alternative would be Bonita Springs, just on the North side of Naples, or Cape Coral as I mentioned above

Like you mentioned, there is a risk for a mid term stay entering your top season.