Some HMLs have lending restrictions by state.

Then there’s city regulations—some places heavily restrict short-term rentals, so you’ve got to check the rules.If you find the right spot and automate stuff (guest communication, cleaning, etc.), it can be profitable.

I personally feel landlording in Indianapolis is pretty easy as far as restrictions go.  

Shopify might feel restrictive because it's not built for the complexities of managing properties or handling booking systems efficiently.

The City of Portland, and Multnomah County are more restrictive than most of the state for instance. 

I have heard there are FHA construction loans but that they are pretty restrictive and do not allow for multi unit construction.

To list a few...Anyone who wants to increase their property’s income potential (and equity) and build new housing in a market that struggles with high prices, low supply, and few new construction.House hackers who live in their primary and want to airbnb an ADU love this strategy or vice versaInvestors who want to do both long term and short term benefit from having two separate units.Rental Restrictions on ADUs.Thankfully, Raleigh is very STR friendly and ADU friendly right now.

Legal Implications and RisksThere are a few legal and procedural risks to be aware of:Title and Zoning Issues: Confirm there are no restrictions tied to the property.

Solar panels may qualify for the 30% federal energy credit, and advertising expenses, like adding your company’s logo, are deductible.However, Section 280A restricts deductions for any dwelling unit used as a residence for more than 14 days annually, even if partially used for business.

As with most municipalities and jurisdictions, the evolution of the AirBnB market has spawned regulation and restrictions on where, when and how a STR can operate.