I just edited my rules and regulations so that the next tenant lease will include this feature.

I’m unsure of their regulations on short term rentals?

Death by regulation seems to be the goal.

Our regulations are also very pro tenant and to survive you learn how to bend the rules to the breaking point.

Also, this would be regulated mostly at the local level except for banking/insurance/etc, no?

I also get tired of having to explain that by "making a relationship" with you, I expose myself to litigation if I ever have to sue a borrower for a deficiency from a foreclosure and oh, let's not even mention the part about how I have to explain to my state and federal regulators, or my shareholders that I failed in my duties to maximize recovery and minimize risk of loss by selling directly to some invidivual investor instead of exposing the property to the open market....you keep digging.

The refi isn’t possible to do for 12 months because of regulations and that’s not going to work with the time frame I’m on. 

Also, many agents position themselves as PMs in order to create additional income, but in many states, PMs are not licensed or regulated, so it's likely that they have no idea how to be a PM, they don't have any processes in place and don't know how to manage tenants, owners, etc.

The last STR potential regulation had a residency requirement; the owner needed to be on-site for it to rent any significant amount of days.  2) I have horror stories. 

Instead of "owner-occupied multi-family investor" (OOMFI) since this is also used with SFHs and condos how about we call it "Mortgage Regulation Manipulation Investor" (MRMI).