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@Timothy Frazier  This will be tough as the HML will want a 1st position loan, but so will the other lender providing the rest of the funds. 

Colorado’s market can be tough with high prices, and it’s smart to be cautious about breaking even.

It's really tough to start investing when you are 60 and realize in 30 years you'll be 90 (if you are lucky). 

My research tells me that once I qualify as a REP with the material hours spent on the STR, I can use that status to deduct depreciation from my LTRs as well by using a regrouping election on my tax return.

Hey @Rich O'Brien, late to the party here but curious to see if you were able to find a way out of your tough situation.

I am 70% thru the materials and will likely go back and do a quick review of all materials before siting for the exam.

It is tough to compare states with no big cities to a state with multiple large cities.  

Scope of WorkThe Subcontractor agrees to perform the following work (“Scope of Work”):Detailed description of tasks and responsibilities.Exclusions: [List any exclusions here].Materials to be provided by: [Contractor/Subcontractor].Reference drawings or plans: [Attach if applicable].2.

Little Rock can be tough.