The overall attractiveness of this investment.

@Kenneth Johnson, as eager as you are to get started, the best thing you can do it increase your earnings.  

Would you prefer they change their policies just to fill your rental quicker and then increase your risk of losses?

I do not plan on paying interest on the HELOC for more than 2-3 months, so I guess the better question is will my portfolio benefit from acquiring a 4th property by leveraging a cash flowing LTR and therefore increasing the interest rate and lowering the cash flow on that property?

The shorter the prepayment term has an impact on increasing the rate.4.

There is no insurance that covers an increase in HOA assessments. 

Of course, if somebody wants to do an MTR in the high season and at a very attractive rate, you might as well take it.

The logic here is that it’s far more difficult (and costlier) to evict a nonperforming tenant than it is to screen for a good one.Like @Greg Scott said, see if lowering your asking rent increases the number of applications you receive.

Charlotte is loaded with inventory are you sure this new build at Max cost is worth the headache versus a home selling for less that you can renovate yourself and increase the ARV?

If you’re aiming to attract higher-paying renters, consider going taller (10-12 ft) for flexibility with larger items or small vehicles—this may boost interest and rental rates.