Goodmorning Johana,Best bet is we refinance the note and see what kind of terms we can get going on this.Typically can close fairly quickly here in texas using hard money notes.

This proactive approach can make all the difference in guest satisfaction.4) Flexibility: The vacation rental business can be unpredictable, with last-minute bookings or changes.

But that is the key with investing, you need to have your educated guess of future events, place your bet, and hope you are right.

In today's market, your best bet would be a house hack.

That is your best bet to ensure it is watered regularly. 

I'd bet that for the last 50 years, investors looking at Boulder have felt it was unaffordable, and that the numbers don't work for investors.

Your check-in times might be super flexible, or you might only do afternoons.

These are the general properties I focus on because they are quick to rent, generally can find good tenants, and gives flexibility. 

Given your situation, you may want to explore portfolio lenders or local credit unions, as they often have more flexible guidelines than conventional lenders like Fannie Mae or Freddie Mac.

Not a perfect plan but it's flexible without age min of 59.5 to access or RMDs when you're 70 or whatever.