It's a power play. 

@Roger CreekmoreMini splits sound like the best option from the cheap seats. 

Refinancing isn’t an option yet because of the way we purchased it (unless someone has a bank that will look at the deal differently) our original plan was to pay off our balloon in early 2027 when it is due which the bank will treat as a purchase and then we would wait until we are able to refinance so probably 2028 and then we could pull out a good chunk of equity at that time.

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Osceola County (Kissimmee) has many options in purpose-built, legally zoned STR communities.

There was no "assign to property" option and basically I had to re-add their profiles to assign them to a property, which was clunky.

Also, I am considering alternative financing options (beyond Hard Money).

Depreciation is another powerful tool, allowing you to deduct a portion of your property’s value annually.Action Step: Keep detailed records of all expenses and consult a tax professional to ensure you’re claiming every deduction you’re entitled to.3.

And I don’t know if they’ve ever given up a power they took or a fee they’ve imposed. 

Right now the only utility at the garage is power so basically I am starting with a frame and a roof.