The thing I would suggest is to speak with a loan officer...maybe the one that helped you purchase the home? 

Suggestions are greatly appreciated!

We had someone reach out looking to see if we would be interested in a 6 month rental from an insurance company that they would potentially have someone stay for 6 months, with then 30 day notice month to month tenant at will if construction isn't finished in time.They mentioned working with insurance agencies and shows on Airbnb he has multiple reviews and properties, but that he had a contact reach out in my area where he doesn't have rentals. 

The article "How to Calculate ROI on a Rental Property" suggests that NOI includes tax and debt service.

I would suggest looking into recreational areas (lake towns and mountain/ski areas for example) that don't have these restrictions. 

Please suggest what kind of a loan i am eligible for.

When you break down the HOA fees vs a expenses on a single family home, you typically see comparable numbers with the exception of amenities maintenance, which as you have already suggested, can drive up income & demand. 

You mentioned a wide variety of interests - so my suggestion is to focus on one or two that really resonate with you and dive in.

Now I am not sure how good they are personally but they all seem to suggest that their accounting features are better and more custom than QB.

The high appreciation rate suggests a robust and growing market.3.