For some reason, FICO appears to recognize students loans in deferrment:(Best questions to ask prosepects;1) When are you looking to move?

@Andrew Foster James solved the problem right there.

Always pick a provider experienced in STRs.Depreciation recapture: When you sell, you’ll face recapture tax on accelerated depreciation—this is real, so factor it into your hold/exit strategy.Too aggressive underwriting: Don’t assume tax benefits solve poor property fundamentals.

My question is two fold here.

I’m aware this creates a conflict of interest, even if disclosed, and I’m trying to decide whether to:Find a separate buyer’s agent to represent only my interests, orRepresent myself in the transaction and deal directly with the listing side.Both properties are listed at market price and I’ve already toured them, so the question comes down to negotiation strategy and legal protection.

Maybe you find the deal (which is its own job) and manage the numbers, and they manage the construction.This also solves your financing question.

Most investors would have anchored their entire analysis to that number.Here's what happens when you anchor to a seller's price, your brain subconsciously solves for ways to make their number work.

Your a Flipper, so what problem are you solving?

Keep asking questions, stay curious, and take time to explore and analyze deals — that’s how you’ll build confidence.Since you are a newbie, you might find this blog helpful: Starting Your Real Estate Investing Journey. 

The issue is offsetting the lump sum this year so it would essentially solve my problem for this year to offset the taxes I would pay, but I don't want to hop into something and have it not be the right fit because I was trying to get it done by end of year.