Buying a Second Home as a Vacation Rental.

Hey BP Community, 

I'm looking into buying a second home and using it as a vacation rental ( Airbnb/ STR). I know that with a conventional loan, I could put as little as 10% down if it's classified as a second home rather than an investment property. However, I've heard mixed things about the rules, risks, and potential lender restrictions.

Also, if anyone knows of a great CPA in the Wellington/West Palm Beach, Fl area, that would be super helpful! Having a CPA who really understands REI and STRs is key for tax strategy and compliance.

Would love to hear from anyone who has gone this route. Did it work out as expected? 

Any advice would be greatly appreciated!