So, with regard to use as a bedroom your realtor is probably correct.

I assume the rate on DSCR loans are slightly higher than traditional financing or home equity loans, is that correct?

Correct, and having the hard conversations ASAP as they come rather than letting things get worse is critical

I believe you just need to have it rented for 1 week in the year to use the bonus depreciation after the cost seg, correct?

Is that correct?

After operating 1 rental for 2 years and another for just a few months, I just got notification from the code enforcement at my municipality (whom I had visited in person) that I didn't file a paper correctly and fines are possible.

I do however agree with you that there’s no one size fits all approach and depending on the type of business that’s operated and location, the correct strategy may vary. 

This is a whole new era than 2010-2020, you're going to have to come correct not just straight spec.And you're not making 4.5% on your HYSA--that's gross. 

You are looking at it correctly, as others mentioned trying to avoid a PG is challenging, especially when starting out. 

1) Make sure STR is allowed. 2) Get more and the correct forms of insurance to go with your umbrella policy. 3) Skip the LLC.