Education standards must be raised so that students actually use their heads for something besides hat racks (allowing them to actually earn a living) and have ready access to birth control (all types of) so that some mistake doesn’t derail one’s entire life.Slow down immigration, too.

He's probably earned around $60 million from "teaching" others.

Which leads us to:2) Are you 100% positive that a) an STR, b) in Florida, c) right now, is the best place to put your hard-earned equity?

Are there any inactive members that would let me join their businesses and let me pay for my part out of the earnings?  

(If I can earn just 5% I’ll have $20k in 15 years.

I suggest you turn your moment into the best learning / earning moment.  

Are there other ways to reduce my mortgage that I am not aware of (besides refinancing)?

A QOZ must earn a minimum of 50% of its gross income on an annual basis from QOZ business activities.

An option for you could be to go with a DSCR loan with a reduced prepayment penalty period so that you can get funds soon and if you want to refinance next year or the following due to lower rates or wanting more LTV than you're able to do so.You should look at this one with the mindset of:1) What would my expenses be once I refi vs what they are now?

I would say earned it.I will check out bank financing.