We’ve been victims ourselves and I’ve been told that directly by law enforcement.We had a scammer create a very professional website using the exact name of our lending company.

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Minimal changes to effect common entrances, no major shifts in load bearing, easy plumbing changes for wherever the new kitchen would be... it's a lot of boxes to check. 

(I know, nothing is certain but just hypothetically) and all cash out loans are not created equal. if you have a lot of equity you can borrow up to 60% with the lowest rate possible, which would be close to a half point lower then borrowing up to 75% loan to value. 

However, be mindful of the Section 461 business loss limitation, which could restrict your ability to deduct excess losses in a given year, depending on how your rentals are reported.This post does not create a CPA-Client relationship.

Currently changing my mindset of I can’t do that, to how can I? 

To get started, focus on creating an appealing listing with professional photos and a detailed, guest-focused description.

The more successful you are the more you've failed in life and allowing others to learn from our own mistakes is often more helpful than the success stories. 

Hopefully this helps....You need an attorney that specializes in SEC regulations to create your PPM. 

Your actual property taxes alone on that will be over $10K a year in 2025 and don't forget about that supplement tax headed your way.I would suggest keeping the others and maybe changing to LTR if that will give you consistent cash flows.