I assume you meant, regardless whether the person named in the note actually lends their own money, it's still owed to them because the agreement is binding. 

When you borrow money you agree to pay it back.

You can most certainly make more money with higher occupancy in your short-term rental.2.

Kid in college and one starting to drive   blah blah blah.I'm sure there are numerous places to cut money for sure. 

Stay away from the top 2 banks, they can take months to actually finance you and saavy agents wont accept a preapproval from them because they can take forever. 

Even though I wasn't a good asset manager, I made money on my properties. 

High probability you won't have cell phone reception if you're close to HH Park.3) Our money could buy something nicer in the Red River Gorge.

I use apartments.com, so the money didn't end up in my account until 1/6/25.Is this considered income for 2024 or 2025? 

Nope......i heard of it on a podcast though.i actually have studied banking and economics for the last year and a half.

I am finally at my two year mark not being W2 so if I can skip past DSCR loans and the such that would be much preferred as I dont want to pay the fees if I don't have to as I am trying to get some money I put into each unit to renovate back out of it.