The most successful loans are those that do not procrastinate and get the appraisers In ASAP so you can get over any unexpected bump in the underwriting process.

I would also never buy a short term rental in an HOA - it's just one more entity that can tell you what you can or cannot do. 

MTRs fall into the standard long term rental( 30 day +) category and will follow those regulations set for Long term rentals.

Larger properties offer economies of scale and better financing terms, but they also come with more complexities and higher upfront costs.

I have contacts for long and short term managers in the Tampa/ St Pete/ Lakeland area. 

I now live in Indianapolis and work exclusively with OOS investors, particularly those investors looking to acquire cash flowing small multi-family and/or short term rentals.

My long-term goal is to build a portfolio of multifamily rentals while also working as an agent helping investors scale their portfolios.Your experience sounds incredible!

With the city contemplating expanding the ADU ability to city wide, is there any benefit to doing a rezoning now (assuming successful) before the citywide expansion takes place?

He intends to turn it into a short term rental. 

Metro Atlanta, generally speaking, respective markets 30 to 45 minutes from the City, will be tight on cash flow unless you implement a creative investment strategy, such as short-term rentals, medium-term rentals, or rent-by-the-room properties, or allocate at least 30% to 35% towards your downpayment if you intend to hold the property as a long-term rental.