If they are filing false complaints it’s one thing but if it complaining and it’s true, even if it’s minor in nature - that’s more an Airbnb issue and they know how to game the system.Reality to is if you get them to stop whose to stop them to ask a friend etc.Your best bet is to talk to them and find out what the Cruz of the issue is

I bet the filter is clogged 

Back o the original question assuming the 1st loan will allow a 2nd smaller local banks will be your best bet or a true Private Lender.

No one knows what the future will bring, so I would not make an all-or-nothing bet on refinancing in the next year or two. 

If you interacted with persons in trying to understand there quoting as you communicated here, no you wouldn't get much for answers because it's demanding, condescending and with hollow threats, nobody wants to deal with that BS or person so of course they blow you off, I bet you'd blow that person off too. 

I'd love to connect with someone trustworthy, honest, who knows the market, and would be able to guide me step by step until closing, and even finding the right tenants.

You could do a DSCR loan as well but I would bet that rate will be high also at the moment.

Most investing strategy in the Bay is just appreciation.If you're interested in appreciation and cash flow, the Central Valley will be a great bet.

I am skeptical that these properties are ones that I would want to buy and bet that there are a whole host of reasons why they are 1% rule properties. 

You're best bet is to talk to management and see if there is an exception that can be made based on your plan.