You can only occupy your STR 14 days per year and not more than 10% of the actual rental days by tenants.

There's language that covers all manner of possible issues, and it's 6 pages long, so I'm reviewing again since I'm looking to do MTR now.Considering I'd "only house-hack" right now for MTR, does anyone have advice about whether or not KeyCheck would be enough for all my house-hacking needs as an owner-occupied landlord, especially in terms of the leases offered and other necessary requirements (credit/background check, Docu-Sign, Online payment)?

After reviewing the latest ordinances, reports, and city guidelines, here’s a summary of my findings as of 11/18/2024:Key FindingsPermit Types and Fees:Type 1 (Owner-Occupied): $300 for 3 years.Type 2 (Non-Owner-Occupied): $450 for 3 years.Density caps apply to Type 2 permits (12.5% of block face).Enforcement:3 violations in 3 years lead to permit revocation.Fines up to $500/day for violations.Hotel Occupancy Tax (HOT):City: 9%, County: 1.75%, State: 6%.Platforms like Airbnb and VRBO will remit directly to the city starting Feb 2025.Platform Obligations:STRs must have valid permits; unpermitted properties will be removed by platforms like Airbnb.Special Exceptions for Density Limits:Require approval by the Board of Adjustment (BOA).Zip Code BreakdownI focused on these 11 zip codes:Under San Antonio Rules:78205, 78204, 78215, 78210, 78212, 78245, 78258Independent Municipalities (Separate Rules):Alamo Heights (78209)Leon Valley (78238)Helotes (78023)Next Steps:Research density caps and zoning in specific zip codes.Dive into independent municipality rules for Alamo Heights, Leon Valley, and Helotes.Evaluate market maturity and income potential using tools like AirDNA.If anyone has experience operating STRs in San Antonio or these specific zip codes, I’d love to hear your insights, especially about density limits, enforcement trends, or community sentiment.Thanks in advance!

These loans are not allowed in non-owner occupied scenarios. 

We would of course also like to enjoy it when it is not being occupied as a rental. 

Network with local investors, understand local laws, and consider owner-occupied financing options.

Mind you, it was a rental sometimes, but it was still my owner-occupied house technically on paper.I qualified for an SBA disaster loan covering almost all of my damage.

But if you've got one or more day zero tenants to occupy all or part of the space, that could blunt the unknown in a big way.

Any required notice would be removed quickly (usually) if occupied. 

I would recommend to all that they build a STRONG relationship with a Realtor/Broker or several Realtors, because  2.Downloaded a list of multi family owners from Listsource.com - You can get this from a Broker who can run a list of non-owner occupied properties, this features the number of beds and baths and from which you can build a mailer and network. 3.