One issue with 'sneaking' an STR in is that once the board finds out they could hastily react with some type of addendum to completely restrict all STRs. 

The tenant, who is almost completely uncommunicative except when something needs to be repaired, has not informed me.

This is just a quick indicator, not a complete analysis.

Investors tell me it’s not even worth 30k .I don’t understand, maybe if there was a house already there it would be value at 135k or am i just completely missing something

-For complete rules, and to understand the potential impact of your loan on your retirement income, read the TSP booklet How do you pay yourself back (is it a monthly or bimonthly payment, is it taken directly out of your check like a withholding?

I have a rental property in the area and I've seen at least 7 other homes that have either been built completely from scratch or remodeled.

If I don’t have to live in it, and instead and completely rent out all units, that would be my goal.

I've tried using that feature, but it looks like I have zero results.

All in will be about 190k and ARV is 263k so we have the equity to refinance once it is complete if we can't sell it.

What you are doing is completely idiotic.