@Daniel Caraway a lot of times properties like that are grandfathered under existing zoning unless, it was an addition done without a permit or it's been vacant for a specified period of time.There are fairly explicit rules at the county level that govern zoning.

As a home owner in a HOA there is no way I would put up with others turning it into a hotel.This is not about rules it is about respect for others.

If she approaches you for help and tells you the situation, I’d probably bend the rules.

I see lots of room for improvements and will charge more.

Just want to streamline and improve where needed.

The hosts keep referring to the 1% rule.

-For complete rules, and to understand the potential impact of your loan on your retirement income, read the TSP booklet How do you pay yourself back (is it a monthly or bimonthly payment, is it taken directly out of your check like a withholding?

I suppose it could be different if you’ve done major improvements, but in our case they just sent a guy with a camera to make sure the place was still standing. 

But, if the bank holds the loan in house they may have different seasoning rules. 

I've read the system may be considered an improvement on the land, thus maybe deductible over 27.5 years.Can any of these strategies be integrated?