Hoboken has stricter renting regulations than Jersey City.

However, private financing options are becoming increasingly popular for scaling portfolios.Zoning and restrictions: As you mentioned, regulations for short-term rentals, such as Airbnb, vary significantly.

This is related to lending laws/regulations created by the Dodd-Frank Act in 2010.

Make sure you thoroughly know how the regulators view the way things are being done, before committing to a "creative financing" technique.

Then a hiring increase for local regulation officials or private sector to assess housing quality & approve it.

Ensure that you check your state's regulations and requirements regarding security deposits.

Issues with multiple national carriers leaving the state completely due to state regulations, massive loss ratios, huge increases in replacement cost values/limits due to inflation, etc. 

You cannot go after them as for a regulation a+ offering is self attestation (meaning you are attesting that you are not putting in more than 10%).

Best bet is to carefully analyze the zoning maps and regulations or just call the town and ask.

There is a lot more state regulations and lending laws change when 5 units or great.