Now you are telling me my critique of of your business model "gives you motivation".

Threatening each others' safety is never allowed.

This would allow me to stockpile rental income until I’m ready for the next investment, giving me more flexibility in the long run.Thanks again for your insight Yeah, I think a 15 year or 30 year loan is a better option because the interest you pay every month is lower and also you can pay it off in a short period of time if you want to.

Quote from @Anil Shah: Since I read a townhome, I assume there is HOA - do they allow STRs?

If so they may have a real estate license or they may work with an agent that relies on repeat business rather than a one-off purchase. 

The other is a smaller operation which does a lot of business in the specific neighborhood the house is in.

Allows rentals to be non-passive.

@Michael James Hamlin I'm a former tax accountant/business consultant turned fix n flipper and investor friendly agent. 

That's a terrible idea.He should either install a smart thermostat that allows him to set limits, or he should remove her from the property.

Depending on how long it takes you to save up the amount, you might want to also allow for inflation on that amount for your continued savings.[2]   Read Rich Dad poor dad.[3]   Think about getting a second job - possibly a temporary job - save a 100% of the money.Just my 2 cents.