Your home insurance might allow for short term rental use with an endorsement but you'll have to discuss with your agent. 

There are some that have a very relaxed management board who may allow unlimited subletting. 

On the other hand, waiting until after the tenant leaves allows for a smoother rehab process and reduces vacancy risk, but it may impact the immediate refinance value and timeline.

On top of that, the city passed laws not allowing any one person to own more than three STRs.

I believe the future is to hold them and sell them later on contract to allow yourself to have the additional cash flow without the huge gains

FHA wouldn't work for a jumbo loan but a conventional owner occupied loan could allow for a lower downpayment. 

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The regulations do no allow for you to seek those protections which give you the right (and rightly so) to seek justice towards lenders which descrimante based solely on the the fact that you are LGBTQ aligned whilest you also inturn now only seek 'LGBTQ-friendly' funding sources.

This allows our buyers to purchase the property, make the necessary improvements, and then choose to either rent it at market rate or sell it.Selling a property without providing at least two exit strategies for the buyer significantly decreases our pool of buyers.Feel free to reach out, you could send me the numbers and I can give you my opinion on what would be a good deal to a buyer with keeping the tenants.