Only thing is a STR is more time and mind/thought consuming than a IRA.

Not ideal and not the route I'd advocate, but bearable.In other instances, in which a financial/tax service provider promotes non-compliance to unwitting consumers, the potential costs can be astronomical to all clients.Consumers of financial & tax services should always seek - and get - total transparency from their service/product providers.

Even if you contest it you do so after they collect the funds back from your account, which is why the consumer's bank issues a "temporary" credit during the dispute process.Essentially you burn a processor and you're done with electronic payments for 5 years.

I charge more than Cleaning fee all year round to help pay for consumables and small breakage.

A fund would need a Security offering and then you would need a MLO or Consumer finance license or RE Broker license to make the loans in the State of CA.. one of the 3..

If you wouldn't mind sharing, what are the top 5 time consuming tasks you come across? 

HELOC which stands for HOME equity line of credit, is a consumer loan product that is supposed to be used for personal or household, not commercial purposes.

If you need to add those systems they can be incredibly expensive and time consuming to install, especially if you have to deal with current tenants. 

Using the funds to buy a primary will be considered consumer purpose.

I know some people who've done it.It's 100% passive, the checks roll in after month or two.Steady 5%-10% returns.