I had to change insurance companies, raise the rent and I used a company called Ownwell to help reduce my property tax.

You can create all kinds of leverage for yourself as a buyer if you play your cards right. 

You could raise your rates by $1 a night if you don't want it to impact your cashflow.As for linens not on beds: imagine a family packing for a vacation and cramming everything in a car, dealing with screaming kids on the trip, dealing with nightmare traffic and finally getting to the place and unpack all the crap. 

I think it's important to start with this - is your 250k debt what you owe in principal on the mortgage on your home or is this separate debt (credit cards, cars, medical, student, etc)?

California would go as far as looking at her credit card statements to prove she spent more of her time in CA. 

. - The ability to create online debit cards has helped a couple of times but I'd categorize this as a nice to have. - Free would be nice but if it's paid and has extra functionality I would consider. - Interest earning (not a ****** 0.2% either).

Her credit score is good at 745 and frankly, we could pay off some zero interest credit card balances that would likely bring her score up near 800.

It is also far easier and more cost effective to scale by selling membership interest of an LLC or simply purchasing your real estate in LLC's where you raise money from friend's and family to serve as LP investors.   

If he was raising institutional money he would get destroyed by advisors if he took that approach. 

And often the improvements to be made are raising rents to market.