@Dmitriy Fomichenko because if the holdings in the retirement account are held longer than 1 year they are taxed at the long-term capital gains tax rate and not your ordinary income rate.

Most turnkey companies proforma does not tell the complete story and that is why is called "PROFORMA" OR "PROJECTION", they don't account for the true vacancy, leasing fees, holding costs, and Headache factors that come with a Class C and D properties and neighborhoods.Hopefully, they can help you get to 100% occupancy and sell the property so that you can re-invest in a better neighborhood and relatively newer property like 2020 or newer if is possible in that market, or just go to another market you understand better or have some kind of connection with.All the best and keep us posted on your progress.

Don't forget about your property taxes going up to account for that ADU.

The numbers are tough and it's hard to account for all unforseen expenses.

I use a Netflix and a HULU account specifically for the STRs. 

I created an account and listing on Furnished Finder but not getting many leads.

Make sure you are taking into account closing costs as well as the repair money!

Once that reserve fund is established, move all future cash flow to an investment account.

We have an accountant with a chart of accounts to manage everything but I do not see why you need one for operating expenses vs. income.

Also, check if they have skin in the game (their own money invested), as it shows they’re confident in the deal and aligned with your interests.If you’re considering alternatives, REITs are fantastic for super-passive investors who want steady, low-effort returns—usually about 2 points above a savings account—but you lose tax benefits and control.