Mind you, it was a rental sometimes, but it was still my owner-occupied house technically on paper.I qualified for an SBA disaster loan covering almost all of my damage.

It NEVER works out well for the owner.

Usually, owners will look a little more kindly on MTR because it's less wear and tear.

These loans are not allowed in non-owner occupied scenarios. 

Which isn't a problem if the owners wanted to pay about 20% per month.

After reviewing the latest ordinances, reports, and city guidelines, here’s a summary of my findings as of 11/18/2024:Key FindingsPermit Types and Fees:Type 1 (Owner-Occupied): $300 for 3 years.Type 2 (Non-Owner-Occupied): $450 for 3 years.Density caps apply to Type 2 permits (12.5% of block face).Enforcement:3 violations in 3 years lead to permit revocation.Fines up to $500/day for violations.Hotel Occupancy Tax (HOT):City: 9%, County: 1.75%, State: 6%.Platforms like Airbnb and VRBO will remit directly to the city starting Feb 2025.Platform Obligations:STRs must have valid permits; unpermitted properties will be removed by platforms like Airbnb.Special Exceptions for Density Limits:Require approval by the Board of Adjustment (BOA).Zip Code BreakdownI focused on these 11 zip codes:Under San Antonio Rules:78205, 78204, 78215, 78210, 78212, 78245, 78258Independent Municipalities (Separate Rules):Alamo Heights (78209)Leon Valley (78238)Helotes (78023)Next Steps:Research density caps and zoning in specific zip codes.Dive into independent municipality rules for Alamo Heights, Leon Valley, and Helotes.Evaluate market maturity and income potential using tools like AirDNA.If anyone has experience operating STRs in San Antonio or these specific zip codes, I’d love to hear your insights, especially about density limits, enforcement trends, or community sentiment.Thanks in advance!

Our state law states "An owner may impose a reasonablelate fee for each month an occupant does not pay rent when due."

However I am basically ONLY talking about owner occ purchase money loans and mainly for first time buyers..

There's language that covers all manner of possible issues, and it's 6 pages long, so I'm reviewing again since I'm looking to do MTR now.Considering I'd "only house-hack" right now for MTR, does anyone have advice about whether or not KeyCheck would be enough for all my house-hacking needs as an owner-occupied landlord, especially in terms of the leases offered and other necessary requirements (credit/background check, Docu-Sign, Online payment)?

Bonus is they helped me become an anonymous owner through the LLC's and trusts.