Tenants should be 100% responsible for consumables like air filters, water filters, light bulbs, etc.

Any thing going wrong there and you're deeper than you think in it.You should work a part time job to get out of that consumer debt, and no turo is not it.

But if the guest never used it, if you have fewer turnovers, etc.

The regulations you’re quoting from apply only to CONSUMER PURPOSE LOANS, not commercial loans.  

Once you start making offers, the whole process of underwriting then offering is time-consuming enough. 

I think these important to consider: Time availability: Property management is time-consuming.

I was involved in wholesaling business long time ago (not real estate but consumer goods), and it has taught me A LOT about human nature.

One of the principal industry concerns about the vast power granted to the Consumer Financial Protection Bureau was that these powers were too insulated from review….The ruling sends a crystal-clear message to federal agencies that their powers are not unlimited…We would not be at this point today if government agencies were more prudent and consistent about staying within their statutory authorities, grounding their rulemakings in empirical facts, and heeding appropriate procedural safeguards…Instead, too frequently, our regulators appear to be chasing headlines and short-term political wins.”National Association of Homebuilders - “Today’s Supreme Court ruling is an important step forward to advance meaningful regulatory reform because it means that federal agencies can no longer continuously change the law – and the intent of Congress – by implementing their own interpretation of statutes as long as the interpretation is viewed as being ‘reasonable.’

Yeah, they hardly ever get cleaned but it's not that time consuming at turnovers.

Where prices are higher, fewer people can buy, so they are forced to rent.