He asked if this was ok prior to doing it and we said yes as long as there was no pooping in our yard.

Is this for a specific type of business, and do you have any partners involved?

(didn't want to give her the tip off of, "oh hey btw how are my liens going?")

So the LTR provisions will apply, whether this being furnished changes any of the RSO guidance or not I can't say. 

Quote from @Luis De la Puente: In your experience, how do you see private money lenders shaping the real estate market, especially for fix and flip projects?

Happy to clarify any more information on this since I know this is very open ended...

If you have a county commissioner you could also check with them to see if your STR Rental would be a problem, I would be surprised if the county would do anything to restrict your use.We lend on Rural STR, up to 70% LTV for DSCR rentals, with no seasoning, we can use AIR DNA for income projections.Hope this helps.

I borrowed the full $200K on this HELOC to purchase my FL investment property Nov 2022. 

Far too often I see owner trying to save a dime and then a few months later in big trouble because the tenants understand the laws better than they do.

This is the case that is related to your questions.