You may want to consider consulting with a financial advisor who can help you determine the best course of action based on your individual needs and circumstances.Overall, while it's tempting to increase your cash flow, it's important to prioritize your financial stability and ensure that you have a comfortable amount of reserves to fall back on in case of unexpected expenses or income disruptions.

Find a PM that will increase your tenant quality, manage to the lease to the 'nth' degree, and minimize disruptions/interruptions to your cash flow.  

In addition, many lenders will accept more risk if you can show an account with reserves and show how you believe that you can scale without disrupting your current strategical operations.

It seems we're due for some major disruption.

Given some of the current disruption in the banking world set off by the SVB bank run, I'm a bit wary in taking a loan from a smaller local bank, given that there's increased probability of the loan being called should the bank run into a liquidity issue.  

It's ComplicatedSince 2020, we have experienced significant geopolitical conflict, a pandemic, major supply chain disruption, and record inflation.

Similarly, if you work from home, you may not want to rent to tenants who have loud, disruptive jobs or hobbies.Finally, house hacking can be a time-consuming and demanding investment strategy, as it requires a great deal of management and upkeep.

That’s why technology disrupts every industry. 

This is very disruptive to any business.It is a no-brainer to obtain an EIN for the SMLLC and use it when opening accounts.  

In my experience as a host and guest on VRBO, I don't think VRBO is as well situated for by the room rentals as its competitors.Pros of renting monthly will be less turnover, less wear & tear, and less admin work on your end (think guest communication, coordination, etc.)Cons of renting monthly will be less gross rental income if renting by the month and not by the night and the fact you'll have to put up with disruptive/annoying guests (if any) for longer.Overall, I think having monthly rentals would be a better setup for a rent-by-room situation.