A rider allowing for using your owner-occupied property as a short-term rental for a specific/limited amount of time is very different than an investment property being used as a short or long term rental 100% of the time.Also, telling your home insurance company that you STR your home occasionally does not give you extra coverage for those types of risks, it simply means if your renter burns your home down the insurance company isn't going to immediately deny your claim. 

Someone with limited ability to manage 2 or 3 SETS of contractors is not going to have successful rehabs.

Zoning also seems to be a problem (see below)3. buy a SFH under ARV; live-in renovate => rent => move to a new primary => eventually refinance to pull value out It seems the multi-family options are extremely limited or nonexistent in this area.

Turns out the 721 UPREITis limited to one student housing property in late 2025.

Now, these outfits hire lots of influencers and affiliates, with no expertise, no financial background, and apparently limited ethics, to put it kindly.

I understand there are many limitations to short-term, or even mid-term rentals down there now, but hoping to see some insights on areas where I might see more of a demand. 

If you were the Tenant you would want to be doing what you can to help limit the amount of money that they owe.

Can I use my current homeowner policy and just increase the limits?

I am not talking about the time to get permits approved because it is not in their control, only talking about the time it took them to get the paperwork submitted.2. 

If you have wall thermostats in the home you can also consider putting in a thermostat which limits the temperature the heat can be set.