My worry would be if one day HOA would decide to stop allowing STR since profits will depend solely on it.. 

I know this is an abstract topic, so ready to provide more context when prompted.

I'd be happy to get you in contact with the services providers I work with.

thanks James, in analyzing regional data, Louisville continues to show a strong local economy, with a decent trend in the growing rental market, lower median home prices and values, good reasons to make it appealing to us since we are looking to expand our portfolios, providing more affordability to enter into this market ... besides, good friends live in this city ... our visit will make it a business expense :)

My team and I dive deep into market analytics to provide our clients with comprehensive reports that guide them in making informed, data-driven choices when entering new markets and setting up their vacation rentals.Moreover, we prioritize a human-centric approach in our designs, ensuring that not only are the aesthetics on point, but the functionality and comfort lead to happy guests and consistently stellar reviews.

Please provide the full new definition of “wholesaling” and reconcile the conclusion of your post with the last sentence in the definition.

It depends on your lease. 

Refinancing - There's isn't enough information for me to provide specifics...so, I'll address it both ways. 

Sam, It really depends on your goals and what you're comfortable with. 

And no small investor (those with a handful of properties) has ever been able to provide me with a situation where a properly insured owner has been successfully sued and not covered by the insurance.