My absolute best advice with ANY STR prospecting is to contact the municipality in charge of regulating that area of region.

One thing I am curious of - typically many of the hard money lenders will charge a 1-3 year pre-payment penalty in these types of scenarios unless your client paid points to not have that pre-payment penalty.

Just withdraw it—it’s like a checking account.The Risks (Depends Who You Ask):A lawyer says everything can go wrong.An insurance agent says the same (so they can charge more).An engineer?

I forged ahead, moved into the house and used credit cards to partially improve the property before they maxed out. 

If there is one thing I have learned, is nobody is going to charge you a fee to learn to get rich lol.

An appraisal fee in advance for an actual appraisal is legitimate, but you can find lenders that don't require appraisals and don't charge appraisal fees.

What are they charging per night? 

I just saw today that I might finally have a second tenant placed (Both to pay $1250) but I’d still like to fire her and hire someone with guarantees around tenant placement and that charges a lower percentage.

Don’t forget heloc, DSCR, 2nd on primary, borrow from retirement accounts, credit card cash advance, property reserves, home improvement store credit, etc etc.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!