Whether it's Airbnb, VRBO, FF, Zillow, FB, direct booking website, insurance relocation portals, databases from MTR operators who get a lot of insurance/corporate leads, CHBO, etc.The MTR space is still quite young, unlike STR. 

Relocation?

I relocated the tenants to an Airbnb for $1k while it dried out and the plumbing was replaced.

My team works with a lot of relocation clients and we always ask: why are you moving to Milwaukee?

We relocated to Central Florida about 5 years ago to focus on the Disney/Orlando STR market.

In the next 1-2 yrs I'd like to move out to either a bigger place or a new new city (job related relocation etc).

In Oregon where I own most my properties, relocation fees for no-cause evictions is one months rent.

They are relocating per their story (whether this is true) and he is unemployed but expecting a baby.

This forces people to relocate.

Whether you occupy it or not, you won't be able to qualify for another loan for another year.You might not end up living there for an entire year because if you move in and you don't like the house, you don't like the neighborhood, or you need to relocate for a job.If you get the loan and never intended to live there for an entire year, then you are committing mortgage fraud.