Here are some thoughts on your choices:401k Loan: This can be a good option since you're borrowing from yourself, but it comes with repayment risk, especially if you leave your job.

You can protect yourself with a short contract period.

if its a single family i can help

@Jonathan B.Assuming you pass the "material participation" test for 2023 and did not use the property yourself (or used very little), you should be able to treat it as an STR for 2023, including bonus depreciation.  

Do the numbers make sense with each and all interest rates? 

So this is mostly in reference to us doing our own repairs, not necessarily looking to hire other people.

Comps do not lie, if she pulled similar ones then that's what it is but if the agent did not take into account the bedroom and lot size that would change the value.

We have always said we will run our business, as much as possible, as if it's 10x the size it currently is.

Do you mind sharing the name of that type of loan/lender that allows you to have the seller carry on a second position?

If you do, you should expect a very aggressive challenge by the IRS.At $350K of combined value it might be worth the cost to get a segregation study if you intend to keep these a long time.