I feel that paying down consumer debt is the best first step.

Your best option is to continue working with your lawyer, the fewer the number of outside partied involved in a situation like this the better.

For example, are you a MF cash flow consumer or a flip?

The credit card pulls will pull down your scores.Wow that is a major benefit of having a broker.are consumers able to do that by law?

In one of the condo complexes I own in, the gentleman above me charges ~$100/night more than the rest of the competition and he gets fewer bookings.

It will consume too much of your time and will more than likely distract you from your investment goals without giving you anything of real value besides the option to sell houses as a side hustle. 

Fast forward 3 years... we’ve both built our credit, bought our primary residence, have two kids with a third on the way, solid middle class jobs, and some consumer debt.We were gung-ho to get going in 2019 after bonus and tax time to get a rental property finally.

Definitely research the laws, but what I understand from it is that you are NOT required to permit service animals in STRs IF you meet certain criteria, namely that you own fewer than (I think 3?)

Working with someone buying one is a certain amount of work, but once you train a buyer on the process, it runs pretty smoothly and there are a lot fewer items to cover on the second and third, etc.

., transfer the LLC shares to a Trust at a later stage to avoid probate), and any other advantage that may come up down the road.Then the other LLC would be with my wife, so we can operate it as a business - tax advantages to using pre-tax dollars to purchase consumables used to operate the AirBnB, and then for her to derive an income at the end of each month.