As the recession (real world tactically defined not academia/government strategically defined) continues we will see a larger uptick in the direct bookings.

And under that definition, because there was no minimum time in the CZO for how long someone needed to occupy a structure to be considered "living" there, the court used literal dictionary definitions (standard practice in NH as can be seen in the similar case Working Stiff Partners v City of Portsmouth) to determine what constituted "living as a household" as it concerns STRs.The court explicity rejected the idea that this ruling should have larger implications for STRs around the state, and it certainly did not at all in any way prevent municipalities from regulating STRs.

There are a few larger players like Western Alliance and Axos who advertise and do it, but they want to see a much larger portfolio

Dealing with the management company has also entailed their typical issues, but at least you have far more leverage on a larger property.  

Additionally, controlling a larger asset through effective leverage can amplify your returns and build greater long-term wealth.By trading up, the extra basis form 1031 will also help you save on taxes.

Planning to rent the 4/1.5 side by the room and house hack by living in 1 of the 4 bedrooms then planning to also rent the larger 1/1 side.Planning 5% down as owner occupied financing. 

A larger consideration for me when mortgages are required for the end-buyer is the general requirement for at least 90 days of title seasoning. 

Should I try local CU or any of the larger banks such as BoA that are offering no-fee helocs online?

.); the larger drawbacks of course are lost investment gains in the plan and potentially needing to repay the loan balance in full if circumstances change, among others.

There is also a much larger inventory of rentals for a prospective resident to look at, a few years back we were in the 3ks for vacants and this year bumping up near 5k during the peak season (in my opinion probably due to the low entry price point for investors compared to the rest of the country as well as low interest rates on loans for folks moving out of their homes).