We spent the next two years hiring an architect to help us with the rezoning process and finally embarked on getting it zoned commercial changing the occupancy status from R-3 to B, S-1.

So guests may look to cancel their reservations if they see something like that in the forecast, but you can mitigate some of that risk with your cancellation policy.As for insurance premiums, yes we've definitely seen some increases in the past 1-2 years. 

Although I am currently inactive status on NMLS. 

I now have to fight for a change to my status as a disabled vet to get the only benefit I'm not getting.  . 

Although if you are investing for at least a decent time frame (~5 years) then having a prepayment penalty on a DSCR Loan for the property is going to be very competitive rate and terms wise with a 2nd home loan anyway - I would say the "full two points" is a little exagerratedhttps://x.com/Wildlaw406/status/1689395078589276160

These include market analysis, property selection, guest communication, listing creation and optimization, and more.

I met with the county permitting and zoning office.Outside the city limits, minimum lot size is 0.5 acres, so they will not allow a whole new structure, but they will allow a casita/guest house.But they told me that if they approve that, I would technically not be allowed to rent them as separate residences.However, that is due to being on septic. 

It helped me get the house setup better for both my cleaner and guests.

We use Stripe for our direct bookings and don't charge a credit card fee to our guests.

You don't want your guest putting utilities in their own names because this is one of the items that is part of the litmus test in certain jurisdictions for establishing residency and therefore conveying long term tenant rights.