They know how to properly insure sub to deals to protect everyone.https://nreig.com/insure-subje...

Also I think there is some financial penalty for the mortgage originator if their loan is refinanced before 6 months, but am not certain about that. 

Asset Protection: Take into account the degree of asset protection offered by state legislation.

Socially and environmentally conscious investors are increasingly looking beyond just financial returns.

Not sure where your condo is located and what your current financial situation is but personally, I would rent your current unit out and take the 45K+ you have and find a multi-unit to househack.

Regardless of your stage in life, financial needs or goals, there's an option out there for you.

Consulting with real estate professionals and financial advisors can provide personalized advice based on your specific situation and market conditions.

At least the process here will be harder than just a city council getting together and banning it overnight on a whim.Arizona used to have the same state laws protecting STR in place state-wide.  

or:Do I say: "Sorry, Ive changed my mind and the discount does not apply", but then she will get upset and will move out and its financially better for me to keep her for at least one more year...What would u do?

The listing agent should have all the info available to potential investors that they'll need to make an informed offer however including rent roll, financials, photos, proforma, sometimes current leases redacted and sometimes (more rarely) even a recent inspection or pre-inspection, etc.