@Gary R UrenIf the property is zoned for only one home you most likely will not be able to do thisPossibly it could be 123 main st unit a vs b but that is a post office issue and good luck dealing with the post office on this issueI would talk to them and put to mailboxes in the front and see if they can separate it by A and B unit

Originally posted by @Gary R Uren:No, just on the rental contract. 

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Quote from @Justin R.: Quote from @Adam Bartomeo: 1.

@Josh R. there is another option, one that would raise you're ROI too infinite, eliminate that finance rate too 0%, and via reduction in $-expense, increase cash-flow. 

Hey @James R., never used it myself.

Quote from @Joseph R.: Thank you, I have attended a couple REIA meetings in the area.

Only exception to my situation is that its zoned R-1 but its a duplex.

I would consult a lawyer and listen to his advice but where I would try to direct this is the lawyer write letter to HOA that they do not agree with the HOA interpretation that the current CC&R does not allow STRs.