If it's the case that the lender origination/broker fee increased last minute I would not be thrilled.Regarding LTV, are there any seasoning restrictions in play?

It is my understanding that this information is restricted, even more so than tax returns. 

He or she will also explain licensing, usury restrictions, and a host of other requirements.

There are areas that restrict rentals to 6 months out of the year.

I would suggest looking into your local market first obviously you need to find out STR restrictions or permit needed.

Quote from @Roger D Jones: This is terrible and not legal in any way but it was pre Covid and the rules were a little less restrictive. 

There is no other protection or time bound restriction.

In terms of loans, due to high income, loans won't be an issue but since I already have a 40 hour a week job, it will put a restriction to how much I contribute in Real Estate.

. - Restricted by zoning.

I only mention it to warn you that there're MORE restrictions than just the "passive activity loss" rules that you must have heard of.One very important concept to remember, and a beneficial one, for a change: restricted (the IRS calls them "disallowed" or "suspended") losses are NOT WASTED.