Let’s just say this house taught me the importance of staying calm when your plumber says, We’ve got a problem, and your electrician just stops answering calls...

This will help stop sound from sneaking through.

Lenders want collateral that can't be picked up and moved overnight.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

Eventually, after finally admitting he could not obtain a loan, he failed to return my capital, and completely stopped responding just long enough until the banks were unable to reverse any payments.

Then later as you grow older and no longer want to share your space you can just stop renting the other bedroom.

I think that is a fair price and that will help me with my breathing room and hopefully help pay off my place faster, or at least so I can reach 20% equity so I can stop paying $110 a month in PMI haha.I'm obviously going to be checking credit score, making sure tenant has a stable income, no criminal background, etc.

Hopefully that slide stops due to seasonality in spring, but if we are in another year of stagnation prices may plummet.

They even sent someone from the city to the house to tell us to stop operating it as a STR. 

I wish I had another work around for you, but I actually stopped using my business CC all together just to avoid the PITA "hacks" they offered as solutions.