A clean cut, I get that it might be hard emotionally and financially but a clear break on stuff is what you need not more stuff that keeps you together that will just be one more thing to fight over later.

Variable income is SUPER hard since covid and no real way around that beyond showing an offer letter that states you get a minimum guaranteed hours, and you may need a payroll log to prove you never went below that number. 

We hardly ever get a call or text about any issues.

I see hard money lending as just part of the cost when doing these kinds of deals.

If a mortgage has a deed restriction, not allowing short-term rentals that is not imposed by an hoa or a city government how hard is it to get it removed?

I have a hard money lender at 10%, who will amortize at 30 years, with 5 year balloon so a potential loan of $200k is in the works.

There’s not a ton of margin to play with these days when you’re financing everything on a flip on hard money loans.  

It's hard to know what you don't know when you are starting out!

Because they found out the hard way that while Class C rentals look good on paper, they really don't perform as well as Class A or B, due to tenant nonperformance & damages.My point is, you are unlikely to find a shortcut around the challenges listed above. 

depends on your credit if you can get a mortgage or your ability to find good deals that you use hard money for and then refinance into DSRC.