Don't see any upside to you for dwelling on this.

Or you may already have it through favorable current zoning or a future zoning proposed by CodeNext.For example, current zoning of this 0.40ac lot allows only one dwelling per lot, that of course already sits there.

.- Is professionally managed by a hotel or resort management company that also facilitates short term rentals for unit owners- Has obtained a hotel or resort rating for its hotel, motel, or resort operations through hotel rating providers including, but not limited to, travel agencies, hotel booking websites, and internet search engines.- Projects or HOAs that are licensed, or have a designated licensed agent, have a permit to operate, or are registered, as a type of transient housing for the rental of non-HOA owned units.- The HOA receives revenue from, or pays expenses for, hotel type services including a registration desk/rental registration desk, or an onsite rental operator's desk, or a rental website/hosting platformI would imagine, just like in Destin, FL, that there are plenty of cities across the country where there are front desks and management companies running a large majority of the STRs in their complex. 

.- Is professionally managed by a hotel or resort management company that also facilitates short term rentals for unit owners- Has obtained a hotel or resort rating for its hotel, motel, or resort operations through hotel rating providers including, but not limited to, travel agencies, hotel booking websites, and internet search engines.- Projects or HOAs that are licensed, or have a designated licensed agent, have a permit to operate, or are registered, as a type of transient housing for the rental of non-HOA owned units.- The HOA receives revenue from, or pays expenses for, hotel type services including a registration desk/rental registration desk, or an onsite rental operator's desk, or a rental website/hosting platformI would imagine, just like in Destin, FL, that there are plenty of cities across the country where there are front desks and management companies running a large majority of the STRs in their complex. 

There are plenty of internet "gurus" who would be happy to take our money for their help.

But I'm just some guy on the internet so I'd love to hear what you think. 

Have you considered buying a duplex or a property with an accessory dwelling unit in the Bay Area and living in one unit and renting out the other? 

Not looking to pay thousands in fees quick closing Decent internet rate

So, if you're driven and believe in yourself, hit the books and the internet.

A policy for just Liability may be as expensive as a Dwelling/FIre for the rented Condo.