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

Yeah, it is based on the state's regulators.

Readers should seek professional advice.

However, the tax treatment differs between short-term and long-term rentals:Short-Term Rentals (STRs): If you materially participate (work 100+ hours and more than anyone else on the property), you may be able to offset rental deductions against W-2 or other active income, offering greater tax benefits.Long-Term Rentals (LTRs): If your AGI exceeds $100K, your rental losses may be limited, unless you qualify as a Real Estate Professional (REPS).If you plan to expand your rental portfolio, consider an LLC later for liability protection and easier management.

Since the 10DLC regulations went into place in October 2023, texting is my number 1 marketing channel. 

Does anyone have any idea if they would regulate?

Recent discussions in Bloomberg and the Yale Law Journal shed light on the challenges posed by traditional zoning regulations and offer insights into potential reforms that could benefit co-living arrangements.Zoning Laws and the Definition of FamilyTraditional zoning laws often define "family" in narrow terms, typically limiting residential occupancy to individuals related by blood, marriage, or adoption.

You can request a hardcopy by calling (800) 226-9101 or (850) 488-1122.Include all allegations and supporting evidence, such as photos and timelines.Mail the form to:Department of Business and Professional RegulationDivision of Florida Condominiums, Timeshares and Mobile Homes2601 Blair Stone RoadTallahassee, Florida 32399You can also fax the form to (850) 488-7149.What happens next?

Consult a real estate attorney and CPA to finalize the LLC structure and ensure the transaction, tax filings, and ownership terms comply with state laws and IRS regulations.

If it's a new regulation for big lenders, maybe try some local community banks.