However, if they are still considered a short-term guest under lodging rules, you may have more flexibility, though the specifics can depend on local regulations in Seattle.Since this can become a legal gray area, I recommend documenting all agreements, payments, and communication with the guest.

Just make sure you account for Denver’s higher property taxes, insurance costs, and the ever changing landlord regulations when running your numbers.Feel free to ask more questions about the area or strategies—I’ve helped clients with similar goals and have personally done house hacks and short-term rentals around Boulder and Denver.

However, too many risks with that, and too many regulations I guess...

>If you rent that out without a true Certificate of Occupancy, a tenant can sue you for ALL of their rent money back. show me any law/regulation that states this.  

Do you have that information based on experience and knowledge of banking policy or is there any law/regulation about it?

PA is super regulated state and not a state i recommend doing seller financing in.

You can easily report them to the regulators if they do something fraudulent and can pay fines and/or have their license revoked. 

NOPE  these are not federally or state regulated loans or lenders they owe u NOTHING.

The government has regulated their hours of work to 24 hours a week rather than 40 hours.

I have never dealt with an investor who didn't physically go to the property & most look up zoning regulations before even giving me an offer!