Through your LLC in the US, you can set up a virtual office in Spain.

This active income can help me fund my retirement as well as help me get reimbursement for home office and health care premium while lower my tax liability.

If you are consistent with these action items you will avoid most claims, your business will be more profitable,  operate more efficiently and if a claim were to arise you will have all your ducks in a row. 

My point is that in my case I believe was a problem of the loan officer who I ended up using once more.

It’s unfortunate as their loan officer was stellar.

If so, I know credco for us sends someone to our office to make sure we are compliant.When we boarded on the IM side it was intense but I actually am glad to go through that process, it means they are serious about compliance.

If the case was substantial, I would imaging your lawyer could subpoena the officers to have them testify to what they witnessed. 

It's really important that you work with an experienced loan officer or broker, especially on a time sensitive purchase transaction.

What special purpose equipment do you have for an ADU/Office that required unique wiring for it to function? 

You cannot rent out an entire home/apartment for fewer than 30 days.Your STR must be registered with the Office of Special Enforcement.