Do people feel the banks try to offer an unfavorable rate since they know shopping to refinance the property may add costs or be time consuming? 

In other words, those markets are far less likely to impose unfavorable regulations on short term rentals, as they figured out how to capitalize on them decades ago. 

They're generally written by the PM firm so they'll unfavor the landlord. 

IF you buy at the Courthouse Auction, you usually have very unfavorable terms and will require cash. 

What is good for the goose isn't always good for the gander.An LLC will make financing a bit more unfavorable as the terms are not as friendly as buying in your name.

You should not be entering in to contracts if you are asking this question and you should educate yourself more before you get yourself and/or others in unfavorable positions.

A property can be in an unfavorable flood zone and still have low cost flood insurance if it is elevated. 

Before people dismiss condos as being unfavorable consider that a side by side duplex or triplex for STVRs are being used successfully in vacation destinations.Yes, avoid HOAs if possible.There are many situations where there is not a HOA with a duplex condo.Thousands of investors us their  IRA or Solo 401k to invest in duplex,STVRs .

With NJ/NY having high property values/taxes as well as unfavorable landlord laws I am looking to relocate to Clearwater Florida later this year to live and will be investing in the Tampa area. 

It’s not their fault that you agreed to unfavorable terms.