That supply bump has leveled out since 2023 and in 2024 we are starting to see metrics creep back up, albeit slowly.On the regulation front, the City of Columbia passed and reasonable regulation for STRs in city limits as of 10/1/2023. 

if she withdraws the money she'll get crushed by penalties and taxes and won't be left with enough to do anything, let alone buy real estate.food for thought.

Marriott will not work with you unless you have 50+ properties but perhaps partnering with a PM in your state (like we do in FL) to provide limited service engagements that includes marketing.Good luck!

I am going to shrink them all down into what I think are the best homes out of the lot and mail to them consistently.That most likely limits all that money.

@Rick BaggenstossThis is just based on my limited experience.1) when a property is in per-foreclosure, I will expect the bank to redeem.

This can be done with rather limited capital and in rather limited time, 10-20hrs a week is a legit affective amount of time if it's intelligently used. 

The rental property is entirely funded by the HELOC with interest rate of 3.6% (10 year withdrawal, 20 year repayment) and no mortgage on it. 

Now, let’s dive into the upsides and downsides of moving to this kind of arrangement.The Upsides of Consolidating Your Insurance into One ProgramSimplified ManagementManaging multiple policies with different renewal dates, coverage limits, and terms can be a logistical nightmare.

Similar to a 401k, part of the strategy is a tax arbitrage.It is a much better outcome to take the deduction at 37% rather than 24%.Lever 5 - % Bonus AllowedIn 2023 Bonus depreciation has been limited to 80%, and will continue to ramp down 20%/yr until it hits zero in 2027.Bonus depreciation has come and gone in the past, but the more you get, that first year payback is higher and higher.Lever 6 - % Payback RatioUltimately how much you save vs. how much you pay matters.Caveat - Talk to your CPA before you purchase a cost seg study.You need to have a way to monetize your losses through1.

Unfortunately, I don't think it's realistic that you will find a generic commercial lease online that checks all the compliance boxes for your state, city, and county.There are limited service property managers that will do retail tenant placement (rather than full property management, which it seems like would be overkill for this one commercial unit you manage), and this would be included as part of that basket of services.You could also hire a lawyer, but I think that property management company will be more cost effective.