This is much cleaner and it doesn’t violate any Dodd Frank legislation. 

There is some other legislation to support this as well but I think these types of properties in Utah will be valued more similarly to its multi-family counter-parts in the new future.If the lifestyle factor is too hard for you to get over in some instances you can look at new builds that are being built with ADU's as well.

First, check out this article: https://www.al.com/news/index.ssf/2018/10/airbnbs_largest_alabama_market.htmlIt highlights state trends with Airbnb and that the trend is a positive outlook for legislation to go in your favor for hosting. 

Have you had experience with "legislating" chores like that in a lease?

Generally PM's are required to take continuing education, which is often focused on new legislation as well as basic "refresher" classes on basics such as Fair Housing and LL/Tenant laws, Fair Credit, and even Safety.

Running as a business is what has gotten so many communities legislating against them.

From the research I've done (I wanted to do everything by the book), we found that there is no legislation to regulate Airbnb listings in Providence and the only proposed legislation was proposed last June (2018), which would make require you to have a certain amount of property insurance coverage ($300k) on your rental, register with the city, meet non-discriminatory and safety standards, make sure you collect and pay the hotel/transient tax, and bar anyone who uses affordable housing funds (FHA, VA loans) from short-term renting their home while they are not present.

Keep an eye on the Legislation. 

Someday maybe we’ll see legislation that requires cities like Akron to have the water in the tenant’s names like any other utility instead of the owners.  

You can withdraw money (but you shouldn't ever) or get a loan out of the cash value (the preferred way) in a life insurance policy anytime.ROTH account legislation may change before you retire and the RMD and or tax may change too.