You say that it is "mostly rented"  - is that $400K a pro forma assuming 100% occupancy?

Here is a clause from a Heloc I have that would be relevant:Trustor agrees that the nature of the occupancy and use will not substantially change without Lender's prior written consent.

Also, you will have additional occupancy tax depending whether you are in the city limits or not.

My neighbor has listed his but also has had occupancy issues as an STR and said that most people looking for either rooms or cheap stays but I can't comment on that as I have no experience listing as an MTR.

Another option is to split the cost based on the number of occupants in each unit but this also means you'll need to adjust the charges as tenants move in/out, so it requires more work and I wouldn't recommend it.

Another option is to split the cost based on the number of occupants in each unit but this also means you'll need to adjust the charges as tenants move in/out, so it requires more work and I wouldn't recommend it.

1) an investor will pay the least for your house.2) An assumable loan will only help if you owe at least 8-%, preferably 90% or more if the sales price for an owner occupant who will pay the most. 3) it’s been a VERY slow winter.  

Also we've averaged about 10-15 nights of occupancy over the last few months. any input appreciated. 

Check their nightly rate, occupancy and amenities.That will give you a pretty good idea of need and profitability.

Look at occupancy rates, average daily rates, and competition to understand the potential for success.Property Management: Consider how you'll manage the property remotely.