Owner occuppied loans regualted in every state .. must have state license and NMLS registration.NON owner occ loans on 1 to 4 units are regulated same way in about 15 statesin the other states they are unregulated.Keep in mind though investor loans do not follow the same rules as owner occ and rates can change charges can change closing dates can be blown through etc

I'm not going to download it for you from my phone.https://www.cccba.org/article/flip-or-flop-disclosure-rules-...I've read many of your posts and am aware that you feel that you can decide when you want a permit or not.

Lots of sub $100k SFR and sub $150k duplexes with strong 1.25-1.50% rent rules.

They seem to either go one way or another, NO investors with strict HOA rules, or full force on investors. 

What goes into proving that it is over 60% and when do you do it (before submitting for a permit or when you apply)?   

In fact it still almost hits the 1% rule.

A reasonableness standard is applied to negligence claims and I would argue a property owner who owns real estate in the Poconos and knows the property is left vacant due to the owners decision to lease the property as a short term rental should know that the pipes are more inclined to freeze and therefore should install heat tracing lines or other measure to ensure the plumbing lines do not freeze.

I will not renew there lease, and I need to be better about enforcing the rules.

If so, do I use my personal bank account to apply for a loan or do I need to put money in the business bank account? 

I’m curious: are others who house hack buying homes they can just barely afford, or are you sticking closer to the ~30% housing rule and using house hacking income as an added bonus?