The only place they are allowed in the metro area are in the City of Alexandria. 

There are some that have a very relaxed management board who may allow unlimited subletting. 

On the other hand, waiting until after the tenant leaves allows for a smoother rehab process and reduces vacancy risk, but it may impact the immediate refinance value and timeline.

On top of that, the city passed laws not allowing any one person to own more than three STRs.

Our current jobs allow us to travel the US and go wherever we please.

I believe the future is to hold them and sell them later on contract to allow yourself to have the additional cash flow without the huge gains

FHA wouldn't work for a jumbo loan but a conventional owner occupied loan could allow for a lower downpayment. 

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The regulations do no allow for you to seek those protections which give you the right (and rightly so) to seek justice towards lenders which descrimante based solely on the the fact that you are LGBTQ aligned whilest you also inturn now only seek 'LGBTQ-friendly' funding sources.

You pay it AFTER deducting all expenses related to that rental unit.