After reviewing the latest ordinances, reports, and city guidelines, here’s a summary of my findings as of 11/18/2024:Key FindingsPermit Types and Fees:Type 1 (Owner-Occupied): $300 for 3 years.Type 2 (Non-Owner-Occupied): $450 for 3 years.Density caps apply to Type 2 permits (12.5% of block face).Enforcement:3 violations in 3 years lead to permit revocation.Fines up to $500/day for violations.Hotel Occupancy Tax (HOT):City: 9%, County: 1.75%, State: 6%.Platforms like Airbnb and VRBO will remit directly to the city starting Feb 2025.Platform Obligations:STRs must have valid permits; unpermitted properties will be removed by platforms like Airbnb.Special Exceptions for Density Limits:Require approval by the Board of Adjustment (BOA).Zip Code BreakdownI focused on these 11 zip codes:Under San Antonio Rules:78205, 78204, 78215, 78210, 78212, 78245, 78258Independent Municipalities (Separate Rules):Alamo Heights (78209)Leon Valley (78238)Helotes (78023)Next Steps:Research density caps and zoning in specific zip codes.Dive into independent municipality rules for Alamo Heights, Leon Valley, and Helotes.Evaluate market maturity and income potential using tools like AirDNA.If anyone has experience operating STRs in San Antonio or these specific zip codes, I’d love to hear your insights, especially about density limits, enforcement trends, or community sentiment.Thanks in advance!

I expect it will come back and I hope the new servicer, it started with BOA and then went to New American Funding, will be better.

there are national lenders everyone's heard of (Chase, BoA, etc.) and local lenders (regional, local, credit unions, etc.)call a bunch of both. 

I just checked out BoA and Chase and WF.

BoA holds note for 100K.

Wells, Citi, BoA unload and sold the notes to other lenders who are in the foreclosed business.  

My offer was accepted, I was lining up contractors and during the close the bank (BOA) offered that if I used their title company (Title 360 Inc), they would pay for my Title insurance (and save me $800). 

BoA won't do HELOCs in rentals straight up in MI

They did not send my paperwork to sign Deed in lieu of, they sold the loan and the new company asked me to sign Deed in lieu of in which i had no problems doing so.Now since BOA started the foreclosure process and it is now on my county website i was told that since it was an FHA loan i had to wait at least 3 to 4 yrs to get a loan.

I checked on that with BOA - and they are good with that.