The only downside is it takes roughly 5 days from the tenant withdrawal until it hits my bank account.

That lower rate might cost you more in up front fees, you might get crappy communication from the lender, slow or incompetent underwriting, or something that ultimately causes you to lose time, money and/or the deal altogether. 

These are slow growth approaches, but they make it much easier for some folks to get their start, and after one or two transactions (2-5 years) a very secure foundation is laid and momentum can increase. 

Now, that's not the same as listings going down, just that the growth of listings is slowing, but it does show the trajectory is changing and I think growth in short-term rental supply and growth in STR demand are likely to balance out as those quick-cash-seekers from 2021 and 2022 sell or convert to MTR/LTR.The numbers haven't changed yet in Colorado, but if you're in this for the long haul, then I think those low Airbnb numbers are likely to turn around in the coming years. 

I made the decision based on the slow response time, amount of rental properties holton wise owns themselves, cost, and being given bad information (I still am trying to track down the prorated rent from October when I closed).

I started slow.

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

Things are slowing down in most places, San Antonio included.

I do not have a large down payment saved up but I have been considering making a large withdrawal from my 401k, about 35k worth.

It has been filed but now I am waiting for the slow courts to make a court date.