Housing owned by private clubs or religious organizations that restrict occupancy in housing units to their members.Second item covering their protections: the law states that the landlord needs to make "reasonable accommodations".I already own 2 small dogs, which puts me at the limit for animals allowed under my HOA.

And you've consolidated your cash so if you ever want to refi you'll have access to more cash.The. fly in the ointment is that while the IRS does not restrict how many replacements you buy. 

If I were choosing strictly between NY & FL, I would definitely choose Florida- NY has more taxes & restrictions.

If there COVID impacted it will not be possible to get them out until the year ends with the CDC eviction restrictions.  

If there is no Hoa and builder is no longer there, it was done in 1993.Who would confirm if there are covenants and restrictions?

Thus the bulk of the restriction would be on new owners.

There is a proposed residential tenant-landlord ordinance in Cook County, which would put more restrictions on the way you conduct your rental business.

STR restrictions?

If there are no major restrictions, you will also need to work with the city development department to ensure you are providing the proper parking, fire protection, etc.

We have gone with a portfolio lender because of less restrictions on the debt-to-income ratio.