The comments you talk about have to do with what sounds like an HOA requirements for compliance for new structures built.

Osceola County specifically is STR friendly, but they and the State do have licensing requirements.

Flint is an area that require's knowledge of the city as it has many pocket area that can be profitable.

hi David,You can either go towards DSCR where it does not require to use your income to qualify, where it only looks at the performance based of the rental property in a metrics of ratio.

Consider the location, local market conditions, and the overall potential for rental income.Build a Reliable Team:Successful BRRRR investing requires a team of skilled professionals.

IMO the requirements are too low.

Option 4 seems risky since you have more experience in real estate than the businesses you mentioned, and option 3 (airbnb) is going to require more work (possibly more risk) than option 1 and 2.

@Hen LeyYes I use private lenders and they require a lenders policy that I pay for.  

So I require skin in the game (average is 5% to 15%) to offset this.

You should always be able to get a straight answer - but its going to depend on the loan product type - conventional with hard hard and set rules, Non-QM/DSCR these are likely going to differentiate in some ways (including this area) among lenders, so it can be different by lender.Some DSCR Lenders for example are OK with Short Term Rentals which obviously wont have a lease (but may require other documentation like a listing or history).