Freddie has similar intricacies, but also does not require a two year history of receipt; https://guide.freddiemac.com/app/guide/section/5306.4If you can use the rental income to drive the DTI down so that you can reduce the down payment similar to that of the FHA product, the benefits of the conventional option will outweigh the FHA option, as I'm assuming you have a strong FICO based on rate quoted with no points.  

My Question is, for these up sales how do you expose these packages to the guests, are they included in your listing or added to the base price, if a guest chooses a package do they pay for the reservation how they would normally through the booking platform then pay for the package separately?

Based on the info you provided, it seems like a no brainer to make it a rental.

However, this is not specific legal advice to you, just an opinion based on the circumstances described.  

Personally I think there are good loans out there but people look for the "perfect" loan that fits their buy box and meets a desired return - which the return is going to be based on risk.So for many you cannot have your cake and eat it too. thoughts?

I titled this post based on that.

-based LLCs, corporations, and similar entities are required to file unless exempt.

I trust his advise but I feel that its not worth taking a chance and I should ask her to politely leave based on the fact that she has lied on her application. 

@Marc Robinson if it is on a lagoon I would pass on it based on that alone.

GSP REI is a diversified real estate investment company based in the Philadelphia area.