Really depends on when the funding gap will appear.

Currently most places operate in a grey area or require a simple permit (there are some toxic towns that we'd steer clear of).I am not a fan of those designs; they are very utilitarian and bland in appearance, and do not fit with what I would want for a cabin experience in the Appalachians.

.), and makes it easier to track and deduct business expenses.

I like it because it does appear to be a one stop shop for what I use it for, but its gonna take some time to adjust to the workflow. 

I know insurance company need large unit. is it easier for 3b~4b to find tenant?  

You are correct hotel underwriting typically has vacancy built in for cosmetic updates but in this case it appears your improvements far exceed keeping the hotel rooms updated. 

This seems to be the case in states like Florida too, where you have to send it to auctionWhile this stinks for investors, it appears beneficial to the homeowners.

Appears she got as upset as you.

Focus on markets they’re in to make dispo easier 

I've been interested in purchasing an investment property for several years, and honestly, pitching a STR unit on or near a lake was a much easier sell to my wife than a traditional rental.