@Frank Pyle yeah, this is pretty normal and the type of home you use isn't of consequence. 

We are not in a normal world.

They post their rooms on the normal hotel, discount site, etc.

Depending on your loan it might only work in the STR game.HOA’s normally do not allow in the Oceanside area but if you get on the beach then they do with restrictions.If you want a personal consult let me know.I have a team here in Oceanside, Carlsbad.

It could be fast tracked or it could take 6+ months as government stuff normally does. 

Because I rent 4 bedrooms house, it's more conducive to large gatherings and parties.Another issue and please tell me if this is normal that when people book for 5 people they usually have at least 10 or 15 additional guests. 

You are likely overpaying by $5,000.Broker fee of $3,000 and Processing Fees of $2,000 seem out of place...but then again, i never used a broker to get a loan so I am not sure about that.If the broker was able to get you an interest rate or loan product that you wouldn't be able to find on the open market...its high, but likely fair.if you are getting a loan product that you could have gotten by going to a normal bank...seems high and unnecessary. 

If it is a normal occurrence I would be concerned, connect with local boots on the ground before doing anything out of emotion. 

Whenever I am having an issue with financing, I normally reach out to local institutions.

I have fridges for decades and the seals don’t go, yet expect the argument or normal wear.