(And since we're tossing in wishes here, may Andrew's insurance remain untouched, etc.)

So do not expect appreciation to be your savior, the facts remain that this market will bounce back and will appreciate more than the Midwest, but can you carry the debt for that long until it does?

I conveyed with a hybrid contract for deed which put title in the buyer's names, but I remain the legal owner.   

:) The buyer enters into an agreement to purchase the property by making payments with some amount due in the first payment and then a schedule of the remaining balance paid in installments.

From the beginning, I rented out 3 of the 4 rooms while living in the remaining room.

The time a tenant pays through Avail until the rent payment hits my bank has remained the same length of time (3-4 days).

I've sent so many follow-ups, and the issues remain.

Then use Airbnb profits to pay off any remaining investments over a short-term period (3-5 years)Take out a separate mortgage and buy the family out?

As we are relatively new to real estate, we remain open to considering other avenues such as long term rentals etc.

This requires that your tenants remain employed at similar wages.