I would love to make some connections and get to know more people who could help me along the way!

Maybe that challenge would make the investing journey seem more "fun" but you are in a position that sooooo many people dream of. 

Definitely a focus area from lenders, conventional or otherwise - theres been a reported uptick in occupancy fraud or funny business lately as rates and values have continued to be so high and qualifying so tough - people are more likely to bend the rules on stuff like this - so this is generally the lender response

People are always wanting to share success stories or failures to help teach someone. 

My advice is to stop listening to the people you overheard. 

We were able to get seller credit to help off-set the cost, but now we have heard of some people getting a free roof with the installation of solar.

Some of those can be good, but most are just regurgitated versions of other people's courses.If you want to be successful in real estate investing, start with transparency.If you are a new investor, use it to your advantage.

Does that mean that I can only rent the place out to people that share the same finances?

Was like most people who get into STR deals, wanted higher return.

This is a great place to learn and to meet people so take advantage of all the great resources.