This combined with my new boss giving me additional responsibilities (how dare he...) and the support of my wife prompted me to take the plunge. 

I would appreciate your clear response and details on this.

Couple of notes based on comments you made in response to others:1.

In response, FinCEN announced that BOI reporting is currently not required and businesses will not face penalties for failing to report while the injunction is in place.3.

You would be violating Airbnb's terms of service.I really appreciate your experience and how long you’ve been in the space, but it’d be a disservice if I didn’t tell you that these very short, non-productive, blunt responses add no value to this conversation.

Thank you very much for the thoughtful response Dennis! 

Quote from @Daniel Chen: Wow thanks for this awesome response. 

., I think you are on solid ground because they won't provide their ID.

I would definitely take out the equity of your home through other means and keep the solid rental. 

Thank you for the advice and yes my escrow is coming back to me. :) I was so sure that subto was a solid strategy, now I’ll have to educate myself more on this and see how to to it right in the future. thanks guys.