Even if additional regulations are passed statewide, the local government leadership should continue to be a bit more balanced.FWIW I spent a couple days in Spokane last week -  I cumulatively walked or biked about 40 miles around various neighborhoods. 

I get different opinions on this issue and I want to know if there are any regulation regarding hard money lending in Florida.

And liability questions are for attorneys, which I am not, but here are my two cents.As a landlord you have to provide a safe property that meets regulations, in this case DNS.

I do not know the rules and regulations on how that would work.

Don’t be surprised if you also catch an up-close look at the breathtaking horned owls that make our trees their home while walking the property.The interior features include Two wood-burning stoves & a fireplace with extensive hand-built wooden cabinets and storage throughout both homes, a spacious tile floored front room, humidity regulating swamp coolers, comfortably sized rooms, several ceiling fans.

Because the highest ROI is about 1000 miles away from me where I own a number of properties that make a ton of moneyI tend to buy in the Southern half of the US for 3 reasons:1) you get much higher year-round occupancy rates in the South & it’s simply tough to earn a good ROI in the North if your place sits vacant for a big chunk of the year2) Culturally, the Southern half of the US seems to be a lot more accepting of STRs regulation-wise.

Be sure to check local regulations but my experience has been true to this in ever location. 

Cap rate could also be deceiving as rental income fluctuates due to several factors: market conditions, regulations, management/owner knowledge/experience, and others...If you are looking for a healthy cash on cash return, you would need 200-250bps of spread between the bank financing and going in cap.

I'm no expert when it comes to zoning regulations, but my understanding is that "RS" zones only allows for 1 dwelling per lot.

There are many short term markets that are decades old where you don't have to worry about the regulations and volatility of metro markets.