I also hear more and more cities are restricting STR.

Like Sean said I think it is an internal restriction

Check with your county records office to see if they have the pre-forclosure data available and what restrictions they have.Another route could be homeowners with Low Financial Stability Scores (FSS).

The first reason being a "Safe Harbor Law" restriction...which he explained is a law preventing lenders from charging too much for lower rates (I think?).

We charge $25/mo per pet & allow two pets with some vicious breed restrictions. 1st person you want to talk to is your insurance agent so they can tell you which breeds will be a problem with your home owners insurance.

There are no prepayment penalties and no restrictions on what you can do with the proceeds of the 401k loan.

HOA had no restrictions when I bought, which is one reason why I bought on Tierra Verde, but HOA is now in process of passing 30-day minimum for the community (it has passed vote, will be enacted in April).  

Depending on the property and zoning restrictions, that could work; do your due diligence before putting it under contract.

All a single family house is going to do for you at this point is create a huge financial obligation and possibly restrict your mobility. 

Many have restrictions on renting units out.