I want to believe the numbers we are seeing for occupancy and daily rates but also scared it won't happen for us. 

What is your average number-of-months occupancy per property?

@Frank Agyeman-Duah even in places with occupancy limits, they typically allow two people per bedroom.

I have basically a tier type way to group them into highest demand/occupancy and amenities of the community to second and third that have descent amenities and maybe a bit further from Disney.  

I'm looking for advice on finding a low-down (<\= 10%), low interest rate (<6%), and 30 yr term lenders for owner occupant multifamily purchases (not FHA).

Because the guys who issue these citations are code enforcement, and they also do things like inspect my rentals for certificates of occupancy.

It's extremely under-served on Airbnb and VRBO, and occupancy rates are very high compared to more popular areas.

Go out and look at homes like yours, check the nightly rates, occupancy, amenities etc.

Setting the rent, in this case, would be a bit of a challenge, as a fair rent would find some sort of balance between the risk of a loss if the STR experiences low occupancy and the reward of making more profit should the occupancy be high.  

I have a lender that will give you 0% down on a 4 unit owner occupant.