It’s amazing how much more it costs to be a legally run, commercial short term rental that is professionally managed , follows all regulations and pays the legally required taxes isn’t it?
BTW, I live in (and own) a vacation home almost permanently - a condotel - that meets all of the above requirements.
In fact we can’t live here more than 179 consecutively without leaving for some time and renting it out to follow the law.
I knew what I signed up for and we made that choice. It would be completely different when we bought our house in the burbs that was zoned “residential”