I honestly don't remember us speaking about it in any of our meetings about it at all, even when he set us all up on VRBO initially.   

I do plan to speak with someone else at the City and hopefully they have a better answer. 

Thank you speak soon

And to piggy back on @Rip Rittell's comment, this coming Tuesday will be one of the best topics and speakers you could ask for pertaining to this topic because one of our top local, investor-specialized title attorneys is speaking on lease purchase, owner finance and bond for deed, which are all strategies that can be used to facilitate step 1, the "B" in BRRRR with very little to even zero of your own money down to acquire the property.

Property "by right" can be a short-term vacation rental, or STVR in city-speak.

I can't speak to all of those areas but if you're looking into Cleveland I recommend giving The Ultimate Guide to Grading Cleveland Neighborhoods a read.

However, after speaking with our mortgage broker, he says that the mortgage must be in only one of our names. 

@Mike Zahniser I agree, as long as they are paying the rent who cares if they answer the phone and why would you even need to speak with them?

The correct verbiage to use when speaking to people.

Speak to your CPA and attorney.