Many cities regulate short-term rentals, and platforms do not override local law, your lease or your HOA rules.
Common rules
- Permits or licenses.
- Limits on the number of nights per year.
- Residency requirements for hosts.
- Safety standards and insurance.
- Lodging and occupancy taxes.
- Bans in certain zones.
Leases and HOAs
If you rent your home, your lease may prohibit subletting or short-term rentals, and violating it can lead to eviction. HOAs may also ban them. Get written permission first.
Insurance and liability
Standard homeowner's and renter's policies may not cover short-term rental activity. Ask your insurer about endorsements and platform coverage, and understand the limits.
Before you list
- Check your city and county rules.
- Review your lease, HOA documents and mortgage terms.
- Register for required licenses and taxes.
- Set house rules and screen guests.
- Keep records for tax purposes.
Frequently asked questions
Do I owe income tax on rental income?
Generally yes. Ask a tax professional about deductions.
Can neighbors complain?
Yes. Nuisance and ordinance complaints can lead to fines or permit loss.