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

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!

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.

I wonder if they're listed on there but have been occupied for years, by tenants who moved in when the fair rent was less?

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)?

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

@Madelyn Felix we used to use ShowingHero, but moved on from them to ShowMojo, due to ShowMojo offering keypads in addition to lockboxes.We've pretty much flipped to keypads as too many keys go missing from lockboxes or get locked inside the home.While ShowMojo offers a service for tenants to use their keypads after movein, we remove the keypads when a home is rented and transfer to next vacant property.PRO TIP: only use keyed deadbolts for occupied rentals! 

They completed the review of the voucher on December 3rd AND REFUSED TO COVER THE TENANT'S RENT FOR NOVEMBER because they didn't have LMHA permission to move in.We had a home pass inspection on December 20th and still haven't received permission for the tenant to move in (January 3rd)...the tenant just had to pay for an additional month's rent at their old home and we are out another month without our rental occupied, incurring carrying costs, and risking vandalism.

@Eli Kantor The complex I still follow having invested and owner occupied is over 30 years old and has 340 units.