These are professionals with additional training and a stricter code of ethics.

Here are some additional comments to add - please be sure to read the last comment regarding making contributions to both an IRA and 401k.Can I set up a SDIRA if I have full-time job?

Some carriers won't allow insured to be a trust, so in that case do it in your company name with trust as additional insured.

These are professionals with additional training and a stricter code of ethics.

Does anyone know of a calculator where I can plug in the additional yearly pay down along with the appreciation rate of my area? 

Thanks for any additional input you have time to put forth. 

You may not be able to break the contract this year but would recommend getting additional estimates going forward if you feel it is expensive.

Electric: is the easiest to split, but may require holes cut in walls to separate the units.Gas: gas lines aren't as flexible as wires, but it can usually be done affordably.Water: most cities will NOT install additional water meters on a property.

I know hosts have included additional cleaning fees for violations as a deterrent.If none of these solutions work, you could look into completely independent HVAC systems for the two units, though that would be a bigger upfront investment.

That would be a helpful addition to your plan as you would further reduce your cost of living.Also don’t forget from that $600 you are planning on getting in cash flow you have taxes, insurance, maintenance, capex, and vacancy to consider.With two homes, you may want to keep that extra $20k as an emergency fund rather than spending it on a third property and then be left with no emergency funds.