Thanks, Gary Neely  Whenever I do a seller financed deal, I utilize my normal brokerage contract and write the general financing terms on the contract.

I know it has utilities on site, I can see everything (water, sewer, electricity).

Would myself and the other owners be able to utilize the STR loophole if it is used as a nightly rental?

It's a whole suite of forms that you can utilize for move in, pets, extentions, applications etc.

I'd learn who the utility providers are, whose name the utilities are in, and if they are current IF the utility companies will tell you which they may not.2.

We would need to see is the credit utilization simply transactional, or FUNDING based. 

I have not done this personally but I do have several clients who are in year 1 or 2 of utilizing this strategy. 

There a very few pad ready lots here in the area, and even fewer pad ready with utilities. 

I’ve requested financial statements, tax history, utility costs, and information on the property management company.

I'd also do a quick check on any utilities that she's paying that remain with the house to make sure they are paid up.If you have a full month's deposit, even if she doesn't pay for the second half of May and part of June, hopefully she leaves the place in good condition and you can use the deposit for unpaid rent after she moves out.