{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"The Hidden Risks of Marketing a Property as an Airbnb (When It's Not Allowed) | Tampa Home Talk","description":"Short-term rentals are everywhere in today's market \u2014 but are buyers actually protected when they purchase a property under the assumption it can be used as an Airbnb? In this episode, Katrina Madewell sits down with Danielle Evans of Gateway Appraisal Services to unpack one of the most misunderstood risks in Tampa Bay real estate: buying \u2014 or marketing \u2014 a property as a short-term rental when it simply isn't allowed. What you'll learn: - Why "great Airbnb opportunity" in an MLS listing can be a legal and financial landmine - How HOA rules, city ordinances, and zoning restrictions are three completely different layers \u2014 and all three must be verified - Why appraisers like Danielle cannot use STR income in their valuation unless the use is legally permitted - The financial, legal, lending, insurance, and reputation risks buyers and agents face - Real red flags to watch for before you ever make an offer - Actionable steps to protect yourself \u2014 in writing Key takeaway: "Don't buy potential income \u2014 buy confirmed use." Whether you're a buyer, seller, investor, or agent working the Tampa Bay market, this episode could save you from a very costly mistake. Visit TampaHomeTalk.com | Call or text Katrina at 813-377-2775 Guest: Danielle Evans | Gateway Appraisal Services Host: Katrina Madewell | The Madewell Group at Real Broker Show: Tampa Home Talk | TampaHomeTalk.com \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 IN THIS EPISODE \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 Katrina and Danielle walk through the hidden risks that come with buying or marketing a property as a short-term rental \u2014 and why the assumption that a property "can be Airbnb'd" is one of the most dangerous assumptions in today's market. \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 KEY TOPICS COVERED \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 \u2022 Why agents advertising "Airbnb opportunity" without verification creates real liability \u2022 The difference between zoning, HOA rules, and city\/county ordinances \u2014 and why all three must be checked separately \u2022 How misleading income assumptions distort appraised value \u2022 Why lenders may not support income-based valuations on STR properties \u2022 Insurance risk: standard policies may not cover short-term rental use \u2022 What appraisers actually look at \u2014 legal use, not hypothetical use \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 MEMORABLE LINES FROM THIS EPISODE \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 "If it's not verified in writing, it doesn't exist." "Don't buy potential income \u2014 buy confirmed use." "What you can legally do with a property determines its value." \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 ACTION STEPS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 Buyers: \u2714 Verify STR rules with the HOA (if applicable) \u2714 Contact the city\/county zoning office directly \u2714 Ask specifically about minimum rental periods \u2714 Get everything in writing before closing Sellers & Agents: \u2714 Do NOT advertise Airbnb potential unless it is confirmed and documented \u2714 Use compliant MLS language: "Buyer to verify rental restrictions" \u2714 Provide documentation upfront if STR is allowed \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 RED FLAGS TO WATCH \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 \ud83d\udea9 Listing says "Airbnb allowed" but no documentation exists \ud83d\udea9 HOA community with vague or untested rental rules \ud83d\udea9 Condo or townhome (typically stricter STR restrictions) \ud83d\udea9 Properties near beaches or tourist areas (higher regulation likelihood) \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 CONNECT \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 Katrina Madewell | Madewell Group at Real Broker \ud83d\udcde 813-377-2775 \ud83c\udf10 TampaHomeTalk.com \ud83d\udce7 radio@tampahometalk.com Facebook: @YourTampaRealtor | Instagram: @tampahomes ","author_name":"Tampa Home Talk Radio","author_url":"https:\/\/sites.libsyn.com\/88548\/site","html":"