But not everyone likes the idea of taking on debt, it is a personal question of risk tolerance and everyone is different.Secondly, I agree that there are many many providers who massage numbers to make things look better than they are.

Yes, this business (a massage parlor / spa) is breaking the law by employing this woman and paying her under the table.

I understand they sometimes enhance the images, but this looks almost fake. 

You can massage that a little bit.

Some endorsements reduce coverage, and some endorsement enhance coverage.Me: Could you talk more about each type?

The loan proceeds would then be used to make certain improvements/enhancements to your primary residence in order to then use it as a rental. 

That makes it a multi-member LLC to enhance it's ability to protect against liability lawsuits.

Using Airbnb to rent greatly enhances your cash flow, and should cover both your PITI and paying off the loan from the seller. 

* By wrinkle I mean something done that enhances profitability but requires extra effort or sacrifice.

There are other ways to enhance this as well.Someone said once and it stuck with me, "in my market I have no competition".