I think there is middle ground that is actually the optimal solution.I'm also wondering if you considered hiring a property manager for your STR?

Planning to refinance primary residence, what options would be better in terms of low closing cost and optimal fee (if any)how much closing cost, hidden fee and other fees differs between no name lender VS big lenders like chase, well Fargo, BOA etc ?

BiggerPockets is a great venue to optimize our time for our REI business.      

Assuming they’re also invested they are surely doing this calculation and trying to optimize the situation.Hope it works out for you and they work with you as best they can.

In the last couple of years, this strategy wasn't optimal, because most properties sold at or near their asking price.

.- design details: flush baseboards with shadow line reveal, some interesting LED lighting, 4mm wear layer eng. hardwood, level 5 drywall, custom trim-less doorframes, pivot doors, and even one hidden door- I'm newb: this was our first remodel, so costs and schedule far from optimized but yea, process was hella fun.  

My feeling is in those posts, there is still a lot of optimism trying to will itself into reality. 

Hi, Still learning the ropes and digesting but I am looking for confirmation to help drive this through my head...In the below article, David talks about financing a BRRRR is optimal without the traditional loan. https://www.biggerpockets.com/blog/brrrr-strategy-real-estate-investingBeing a newbie investor with only $10-20k in the tri-state area, I would need to either go to a PML/ HML or come up with creative financing (i.e. raise the money of individuals on my own by convincing people on my numbers)?

This is the low end of a hands off ADU other than converting existing living space.The more sophisticated value add people are still leveraging non-optimized zoning.

When the property is repaired, optimized and fully tenanted I will refi into the best loan possible.