CalculateRealEstateROI

Airbnb · Guide

STR Regulation Diligence

City code, HOA, lender, and tax — all four must permit STR before you buy.

Reviewed by Keiron Brown, Founder & Editor, CalculateRealEstateROI · Educational estimates only — not investment, financial, tax, or legal advice

Key takeaways

  • City code: permits, caps, owner-occupancy.
  • HOA: bylaws often ban.
  • Lender: many residential lenders ban STR.
  • Tax: occupancy tax 6–18%.
  • Get written confirmation each.

Core concepts

City

Permit, cap on units, owner-occupancy rules.

HOA

Bylaws ban or restrict.

Lender

Occupancy clause violations.

Tax

State + county + city occupancy tax.

Step-by-step framework

  1. 1Pull city code.
  2. 2Review HOA bylaws.
  3. 3Verify lender allows.
  4. 4Register for occupancy tax.

Common mistakes to avoid

  • Trusting agent.
  • Ignoring HOA.
  • Assuming lender allows.
  • Forgetting occupancy tax.

Frequently asked questions

Most restrictive cities?

NYC, LA, Santa Monica, Honolulu.

HOA override possible?

Rarely.

Lender violation?

Foreclosure risk.

Occupancy tax rate?

6–18%.

Action checklist

  • ☐City verified.
  • ☐HOA verified.
  • ☐Lender verified.
  • ☐Tax registered.

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