I’m currently looking into the best ways to structure guest payment flows to ensure legal compliance (that may restrict non-licensed property managers from collecting rent directly) and seamless operations.

Did you pull the trigger on one?

Start small with one property, choose a strategic location, stay transparent with lenders, and ensure tax compliance.

If that's the case I would strongly suggest building your team before pulling the trigger on an Airbnb.

Before you decide to pull the trigger with any Bank/Lender make sure the they are well versed in DSCR guide lines and close more than a couple a month. 

Offer them owner financing - sometimes you can even have them assume the mortgage (without triggering the due on sales clause) if it is serviced by a third party.

Some of us are business minded and strive to add value beyond basic compliance and planning (which it doesn't even sound like you're getting planning here).

This would be VA loan with 0% down so I might try to pull the trigger here on it soon.

I’ve heard different things like taking a Fannie Mae loan out then converting it to a LLC and the likelihood of triggering a due on sale clause is minimal.

If you did the refi 3 months after, it could trigger them to audit you.