If not, you may be better off just standing pat.

The downpayment stands at $108,000, and I have a mortgage at 4.9%, costing $1450/month.

They stand by their word.

Is this the only qualifier that stands in the way between the two 1040 options?

I have extensive knowledge of working with Pinellas county and the city to get your Airbnb in good standing with their codes and requirements, along with access to many tools and systems to generate free analyses for you on any property.

I’m not starting  this post from a vanity stand point.

Additionally, the $25K net passive loss allowance is available for LLC members with active participation in the rental operation (not the same as an active income business).New CPA is apparently not real estate savvy or believes that the "C" in LLC stands for corporation.  

I recommend to find the top performing properties in a market and figure out what makes them similar from an amenitities stand-point.

I ended up buying another house after a year or so as well as starting an arbitrage STR business with a partner.I split the lot and am converting the stand alone garage into an ADU.

I am not aware of any who will ignore the FMR entirely, unless there is a standing history of these rents being paid as described.Cheers!