The algorithm is properly ignoring your listing now.

Consulting with a tax professional is advised to ensure compliance and proper handling of deadlines.This post does not create a CPA-Client relationship.

When you say "is it proper etiquette to ask the seller's agent to share this info with us..." what info are you asking for specifically?

I feel there is potential for it to be a good MTR if I advertise and take pictures properly.

In San Francisco proper the discrepancy between 2 and 3 units is bigger I assume because of condo conversions.

It needs a proper investment strategy to reach the goal you are looking for.    

I'd also partner with a lending company that understands how this is going work, and what your plans are.And last, but not least, I'd partner with a CPA to help navigate you to the ways of working this properly. 

I see that you're in CO - STR investing in CO can be extremely profitable, which is why my personal investment portfolio is so heavily weighted in that direction.

Also now clear that the lender is not doing their proper due diligence or even reading what we are giving them.  

For it to work properly (ie heat the unit), it needs to be kept on in the winter even if she turns it down when she's away or in the evening.