One issue with 'sneaking' an STR in is that once the board finds out they could hastily react with some type of addendum to completely restrict all STRs. 

I've talked to my title person, county assessor, real estate attorney, and any body else I think may know what to do, and no one has been able to give me any advice that I can act on.

Have any body had any experience with this?

I like this route because I can see their body language, and its easier to gauge the tone of their voice.

Is this a really high crime area where the police just collect the bodies?

But I do want to take this seriously as I don’t plan on scaling skyscrapers and beating my body to death until I’m 60 years old.

I will keep that in mind when investing near a body of water, I'm sure there is some kind of insurance to cover hurricane damage?

HOA in theory can remove free rider market failure if well managed, when there are costs and/or needs for management shared by all.HOA kind of philosophically touches on the oft debated (and oft oversimplified) ideological debate between centralization or decentralization of authorityMy thesis would be: I suspect that HOA developments have higher property values in general, however when controlled for development budget on a per home basis, I would wonder if this actually holds up over time.I have heard anecdotal stories of corruption within HOA bodies, and mismanagement. 

We're nearing the end of our due diligence period, so I wanted to double check that we weren't getting ourselves into a mess before our money goes hard.I also wasn't sure whether to have the current owner fill the units, as I've heard horror stories about owners just filling the units with warm bodies in order to show the higher occupancy on paper, when in fact, they turn out to be not the best tenants.All that being said, I absolutely agree that this is a glass half full situation, as we will get to push those rents sooner than expected.

China buys a LOT of US Bonds, driving interest rates higher if they react Trade wars can raise interest rates because they drive inflation, and the Federal Reserve is as allergic to too much inflation as I am to shellfish, and interest rate increases are their tool of choice.China is the biggest holder of US notes.