Even if it takes longer to pay off, having a steady, reliable tenant might actually be less stressful than managing an STR.FYI - consider starting with a regular rental but structuring it as a 6-12 month lease.

If you want to get on a one on one, I'd be happy to look at your current situation and give you advice on next steps.Cheers,

And having reserves or cash flow is key - will help you absorb any unforeseen situations.

Some people in your situation do decide to rent by the room but it is location based. 

Have a few conversations about your situation in general and start there! 

What's the best way to handle this situation? 

Quote from @Gregory Chadwell: I wonder if having a lead filter installed on the property might help the situation too? 

I am very big on building equity, largely due to my career situation.

You may have different questions or your situation is different. 

What is your roof goes, a heating unit.... you're credit card debt could build up quick as a result of this putting yourself in a bad situation.