I paid extra principal monthly regardless.  

From my employer, I have legal insurance through ARAG that covers 100% of attorney fees when buying a primary residence, filing fees are extra.

However, right before closing, the terms changed drastically, and there were $4000 extra loan fees that were never disclosed during the month-long underwriting, despite my efforts to get a clarification on fees.

LCC as a basic pass through and limited partnerships depending on equity arrangements and profit share of the parties add that extra level of flexibility and not needing to split potential individual partner costs or liabilities.  

To add an additional layer of complexity I am under contract to buy land and build another STR.

I plan to live in one of them thought it might be a good idea to use demountable walls instead of drywall to create extra bedrooms to rent out.

Just get a loan broker residing in Cincinnati, pay the extra origination cost (those fees are usually buried in a lender's origination fee anyway) and find the right lender for your situation.

We bought an extra ticket and room for a guest and now they are not able to make it.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

There are several types of fees on Airbnb specifically: -Airbnb service fee, cleaning fee, extra guest fee, pet fee, security deposit, VAT (if applicable), and local taxes.