The first apartments I rented as the owner, were previously rented by the former owner at $150 month including utilities. 

Was it included as a credit/debit on the HUD so it should have reduced your cash to close? 

He is currently a travel PT that makes $37k pre-taxed but after including all his stipends, his annual earnings are  closer to $95k-$97k.

Pairing that with relationship-building will help you uncover off-market opportunities and find local experts who can guide you.For meetups, here are a few ideas:Indianapolis Real Estate Investors Association (Indy REIA): They have a mix of virtual and in-person events and are a good starting point for networking with other investors in the Indy market.Louisville Real Estate Investors Group (REIG): A similar organization for the Louisville market, with educational and networking opportunities.Check out BiggerPockets Meetups: Many cities have local meetups organized by investors active on BiggerPockets, and they often include virtual options.Facebook Groups: Look for local investing groups like "Indianapolis Real Estate Investors" or "Louisville REI."

I even included that in my "Debt Strategies" presentation that I give at local events.

Clear Creek, west of Denver, and Gilpin County, northwest of Denver, both have a primary residence STR permit that's not subject to their caps on non-owner occupied Airbnb.Park County, which includes Bailey, Alma, and Fairplay is open.

STR insurance provides broader coverage, including liability, property damage (even non-guest-related), and gaps Aircover might not cover.For damages caused by guests, document everything (photos, receipts, estimates) and file a claim through Airbnb.

When managing multiple applications, it’s crucial to ensure your process is both fair and compliant with local, state, and federal housing laws, including the Fair Housing Act.A best practice to avoid any perception of bias or confusion is to process and work on one application at a time.

Common deductible expenses include mortgage interest, property management fees, repairs, and even travel expenses related to property management.

Is any bank offering a HELOC based on the combined equity?