So no need to check into regulations or having the city or HOA change the rules on you.

They also need to have good exit strategy either wholesaling or flipping or rent it out for forever....they are very different than just buy in mls and flip it around strategy.I still remember there're three or four category of State tax deed regulation, is the OP knows about it ?

They do require that a permit be acquired (super easy) and hotel tax get paid (a little more complex but there are ways to make it easy), but otherwise there are no regulations to speak of.  

Each with there own regulations above what the state and county requires.

Title Insurance is regulated by state to include the fees. 

As long as the lots are 3 acres or larger in size, the County does not regulate anything.

I have been looking in various cities in Upstate, New York and have noticed a recurring theme: Cities have very strict zoning rules and regulations for students.I have noticed many landlords do not necessarily follow these rules or regulations, or the rules themselves are pretty wishy washy and sometimes unclear. 

Generally, the state insurance depts. regulate the Insurance companies, policies, etc... for their state. 

This is true in most Colorado cities that have a similar provision in their vacation rental regulations. 

It’s brilliant, I just can’t work out the fine details because of my lack of knowledge on specifics on how mortgages are regulated.