So I bought a house to fix up with a rehab loan, but I didn't realize it was a strictly Buy to Lease loan.

It probably makes sense to query both and see what options are available.You can compare 1) total cost of capital 2) leverage 3) other loan quote details such as prepayment penaltiesSome general differences;Banks- Typically cheaper cost of capital (lower interest rates, less origination fees)- Stricter underwriting guidelines- Possibly more conservative leverage (lower LTV caps)- Slower processNon-bank lenders w/ DSCR programs- Generally slightly more expensive (higher interest rates, greater origination fees)- Less strict underwriting guidelines- Possibly higher leverage available (higher LTV caps)- Faster process (although generally not very fast)Hope this helps,Michael

@Yao Thompson so are you strictly planning to use your license for your own investments or do you intend to service the public?

Temecula has a super strict ordinance, and Riverside County is rewriting their short term ordinance. 

.,  Regarding parking on JT-RL5 zoning, from what I've understood, there must be a clearly designated area on the property reserved strictly for parking and room for enough cars to meet the occupancy requirements outlined in the SB County STR Ordinance but a formal garage or carport is unnecessary.

That’s a really strict lease if it really says windows not to be opened and devices not to be plugged in. 

HMLs who provide land acquisition or bridge loans are generally looking for larger deals, and have strict loan minimums.Hope this is helpful,Michael

It is of course strictly a metaphor…but what I am saying is, certainly good, local lenders are worth being loyal to.  

@Eliott Elias thanks for the feed back, are the STR guidelines strict in the suburbs as well.

Are you planning on living in it or is strictly investment?