@Matt AyoubI have an STR on the Airbnb plus program.

so instead of 2 units being STR Only one will be as a big reason we are STR is so we can use/stay at our property when we want.  

I've been considering selling if I could get what I wanted out of it, but I've also thought about pulling out a couple hundred thousand in equity to use to buy a multi-family property or two and then renting out the house while also having a STR on the property.

@Joe Delgrosso don’t have one personally but know the area and have friends with an STR on Scraggy Neck (Cataumet/Bourne/N.

We had another quote with some other brokers that are giving discounts for the wind mit/4 point and have quoted landlord policies or homeowners policies (~4-6K annually) but I'm worried we may not be covered for STR on those, even though we have been VERY UPFRONT with insurance carriers that we will be STR'ing the property when we aren't using it personally. 

I have 1 MTR I just rehabbed bringing the value to 160k which is my needed DP for the STR on the beach.

I'm looking to purchase a condo/townhome in Houston that I intend to use for STR on AirBnb.

Some areas are owner-occupant STR only. 

The Masters hold a tourney out here every few years for example, and having it up for STR on that weekend alone would be worth the hassle. 

Personally, if it's quick, I would recommend keeping the current STR on the loan it has instead of refinancing it to pull cash quickly.Run the math but I think it would be much better to do 10-15% down (or 20% if you can save up quick enough) on the new primary.