Local governments may have tighter restrictions.

Prices go up because of government restrictions, lockdowns, regulations, Disrupting Supply chains causing prices to increase 2.

NYC is the obvious central point but the restrictions seem to be covering northern NJ and most of Westchester now.

They are stating that because the address I want to list on Airbnb is not my primary residence, I only qualify for a non-primary residence STR permit, which restricts rentals to a maximum of 90 days per calendar year.Has anyone else encountered this issue before?

I also think it likely that ADU rules continue to get less restrictive.  

I'd also pull the records at the registry of deeds to see if any restrictions are attached to the unit. 

Combine rent control with restrictive zoning, or a nightmare permitting process to build, and you've got the recipe for an incredibly easy path to becoming a multimillionaire.

Lastly, don't overlook any local regulations or HOA restrictions if any.

You need multiple exit strategies because the condo association can restrict or outright eliminate your ability to rent out a condo regardless of whether its an LTR, MTR, or STR.

Where these restrictions exist, they are recorded on the title.