We are very risk adverse, hence this criteria. 

For cash buyers, this deal presents a more viable opportunity.If you can overcome the gross weather, look deeper in this market.

However, I was informed that the property is zoned as residential, and I need advice on how to proceed.Are there any legal or regulatory ways to overcome this zoning restriction?

And for the record, any of those challenges can be overcome and I would not bucket long term professionals into this same risk category.

Marty,In your experience of buying subject to, what have been some of the ways you've overcome the owners objection to allowing the mortgage to still be in their name and get the subject-to in place?

There're many specific hurdles to overcome as many here have stated, and I'm willing to get over them to take my first steps.

But you are right, these infrastructure developments take time and it remains to be seen how quickly they can be overcome. 

Are you risk adverse?

The point is, it's very possible and profitable to invest in STR's if you're persistent and passionate enough to overcome when STR searches get tough and create your own luck. 

If you have a hungry lender who wants to get deals done they will identify the gaps and give you options to overcome the hurdles.