Pinellas County has one of the most restrictive STR rules in Florida. 

Keep in mind that there can and likely will be LTV restrictions if the property is rural. 

Some lenders will offer a blend of the two with something like a 14 year term.If a lender asks for more, they're imposing additional restrictions over and above what SBA requires.  

Hi Sandeep, Some lenders have restrictions with owning more than 10 properties in your personal name for eligibility purposes. 

If you've owned the duplex for longer than a year and it's on taxes, there's no restriction to the income that is calculated (as in it doesn't have to zero out; it can give you income on paper). 

Hello,It's not uncommon for traditional banks to restrict HELOCs to primary residences only, as they generally view them as less risky.

I know city of Las Vegas requires host occupancy but areas close by to consider to bypass some of the city restrictions?  

It is very very hard to make an NOI of $2000 every month or an average NOI, when your general occupancy trend is like weekends and long weekends because Poconos is not where USA travels, it is basically people from close by cities of NJ, NY, PA travel here.I am not saying it is not the place to invest but if you are looking for cashflow with a 20% down with current mortgage rate, I would run my numbers very carefully.I did not touch on HOA, township licensing and restrictions specially 2 people max per bedroom and Pocono Promise :P

If you don't have restrictions you could try a STR or Mid term as well. 

However, the "restrictions placed by NAR" hampered that.I recall one company tried doing that with not offering an broker comp.