VRBO's policy is that every person who advertises a property for rent on their site (as well as on Homeaway.com) should perform their due diligence to make sure they are complying to all local, city & state regulations as far as short-term rentals go and taxes.VRBO is an advertisement site and just like you don't have to prove you are authorized to sell or rent anything in a classified ad, the same is true on VRBO.

Then the property went under foreclosure and now had to comply with the new zoning laws, which explains why its zoned as single family.

But then the seller becomes obligated to comply with applicable law.

While U.S. banks try to comply with stringent banking standards effective in January of 2013, most of them won’t be reissuing new commercial debt.

Also, the yearly inspections can drive you nuts as they change inspectors and each inspector has little nit picky preferences, and they stop paying your rent if you don't comply within their time frame, in my case it's a month after the inspection, and they don't care even if your repairman had to reschedule or wait for a part to come in.

Your priority should be to get into a unit to comply with your loan's requirements to be an owner occupant within some specific deadline.

So check your lease to see what yours requires and whether or not they complied.

Not sure how that city's codes that you mentioned read, but if there is a UPS Store within the required area, you might consider getting a UPS box and use that for your location ... assuming that complies with the city codes you mentioned.

Any assignment that does not comply with these requirements shall have no effect.

Banks must comply, depending on how large they are, with the Community Reinvestment Act and laons as well as contributions to NPs in their lending area meets such requirements.