These are owner occupant. 

only thing is a occupancy clause for a year. in which im willing to do. 

The commercial occupancy along with building updates will determine if an insurance carrier is interested or not.What are the occupancies?

However:We are noticing the market is getting saturated with vacation rentalsWe have had to lower our rates to keep high occupancy especially in slow seasons like summerWe added a hot tub to one of our properties to see if it would help bookings - it has but it was a big expenseVacation rentals have had negative effects on communities like Sedona by driving up housing costs and making it more difficult to find housing since most people want to turn their properties in vacation rentalsWe are pretty concerned that the law that originally inspired us to do this is going to get repealed or modified (SB 1350)If I were buying a property now in AZ I would be more careful about pulling the trigger.

I did read through the doc you had provided in regards to Owner vs Non-Owner occupant before posting this and there was no verbiage defining how long a person needed to be at the residence each year for it to be considered their home address.

However, our rush to increase occupancy kept us apart evaluating our weaknesses and risks.When you lower the prices as much as the market did during the spike of the pandemic, you open the door to problematic guests.

.- We have dealt with high water bills previously as in 'sudden jumps' in water usage, but all of our experiences have been traced back to the Tenant either utilizing more water, weather related or a case in which a Tenant has allowed another occupant to occupy the premises.

For example, you'll submit a permit with the required information, and receive the permit back from the city, asking to provide the information that, if they had turned a page or read what you had written, is amply provided.There may also be additional complications with the state (you'll need to obtain a green card and be inspected by the state for 3+ family occupancy), and complications with the city. 

Or, there are occupancy maximums for bedrooms based on the square footage of the bedroom.

I am starting to look into STR's in the Poconos (specifically Lake Harmony, Pocono Pines, Long Pond, Jim Thorpe, and Tobyhanna).I am curious what type of occupancy rates other STR investors in the Poconos are realizing?