Hi @Frank Pyle,**I am not affiliated with any of the companies mentioned**To secure long-term financing for your Airbnb, look for DSCR lenders that accept pro forma income instead of requiring 12 months of rental history.

My retirement system doesn't allow for me to roll anything over given that I'm still employed with the company and also under 59.5 years old.

I work for a property management company in Milwaukee, a very hot rental market currently.

Brian Davis: My company SparkRental organizes a passive real estate investment club, called the Co-Investing Club.

Typically, if you have a mortgage, the mortgage company will collect taxes and insurance when you pay,  so there is not really any budgeting required for this.

I am also looking at a new company called Noshable that does grocery delivery precheck in and gives kickbacks as well.

Also, make sure you have a great property management company who can be your "boots on the ground".

And I think a lot of companies will realize that productivity is generally higher in cooler climates.

And when you said the management company takes a 550 credit score , all I see in your future are evictions .   

The cleaning company I use started offering hot tub service about a year after I got the salt water tub and I took them up on it.