IMO that's the key distinction, the big dilemma and the first question you should answer.  

Even in the largest Metropolitan areas like NY, Chicago, LA,...  

In Oklahoma City, OK the largest share of households have a property value in the $150k - $175k range.Property Taxes$800 - $1,499AVERAGE RANGEThis chart shows the households in Oklahoma City, OK distributed between a series of property tax buckets compared to the national averages for each bucket.

Downtown has been the largest development so far, but it's reached out to Midtown, New Center, University District, Bagley, Indian Village, etc..

Does that mean as far as HUD's fair housing is concerned, there is no distinction in their policies and guidelines on how SA and ESA owners are to be treated/screened/verified by landlords?

The zoning distinction is attempting to preserve some housing for locals, but also help provide some accountability for STRs when they have the rules and amenities of HOA communities.

We are the largest cost seg company in the country, only provide engineering-based studies and cover you with audit protection for our studies for as long as you own the property plus 3 years.

Rather than commingling funds and ownerships, separation using distinct LLCs could have some benefits.

Smallest property is 20 units, 1 acre, largest is 53 units and about 10 acres.  

Now, I know that some of these authorities can be quite irrational (my city holding the dubious distinction of being THE prime example!)