There are lots of flaws with the argument though:1.By nature STRs do not have long term contracts with their "tenants".2.  

It was not a newly constructed fence to increase the value of the property; rather, it was a replacement for an old, damaged fence due to nature disaster. 

Transitioning into hard money lending is a natural step given your experience.

@Noelle MastelottoColumbus definitely gets all 4 seasons and thankfully no natural disasters which is good.

That being said, I don't think the bank is going to be sending folks to peep through your window to confirm you live there... but you obviously still shouldn't do anything misleading, hypothetical or not :) If you have utilities or some bills in your name headed to that address, that would adequately show a proof of residence to some capacity. 

Most likely the state where the property is located is where lawsuits would be brought if they are something for personal injury like a trip and fall or something of that nature because the “cause of action” arose in that state.

Temperature control:  It's always naturally cooler downstairs, and in the heights of summer and winter, I just cannot get the temperature regulated for both me and my tenant to where we're both comfortable. 

Funny how opposing viewpoints are financially driven :)Im a real estate agent who self-manages, so naturally I'd say find a great agent.

it has seven offices that can be used as bedrooms if a person wanted to make it a Boarding house, a pad split, or something of that nature.

Having a minimum 10' bay door and adequate power throughout is helpful as well.