My question is - do I have any recourse if the loan officer now deviates from what he initially told us verbally and in writing (I have the emails and text)?

That doesn't mean that they won't go back and re-write it to work.So, get with the city (cities) and see where you can actually have a STR.

Easy writing is the best writing.

All this just to hopefully cashflow a few hundred $$ a month, doesn't seem worth it.Lately, I am really leaning on just investing in REIT's like Realty Income (o). as I write this Realty Income is at $57.75 paying $0.264 monthly dividend.  

Finding talented preparers was difficult and took longer than expected.

I don't like AI descriptions (sorry @Andrew Steffens).They look and sound completely like it was written by a bot, which it was.I like to write my own copy for listings and I respond directly to all guests, inquiries and issues.

I have been investing for 4 years and have tried both local and national banks and haven't had any experiences to write home about.

.: Excellent write up, thank you for that.

I do it myself and takes 20 to 30 minutes a month (did it yesterday for Dec), with about 7 of those minutes for 1 property in Blount County, TN which requires the form to be manually filled out, write a check, address an envelope, scan doc and check for my records and walk it to my mailbox.

In that case, you’re living for $2,000 a month—while building equity in the home, benefiting from potential appreciation, and taking advantage of valuable tax write-offs!