Even if you had to exceed that, as single you could convert an additional $485,050 above the $63,350 (or $503,350 if married) and you’d only be taxed at the 15% LTCG tax rate (not counting any state if applicable).Each year I’d get my taxable income as low as possible to give myself as much ‘room’ as possible in the 0% tax bracket and convert the max amount possible.

University federal credit union 

This can result in significant financial loss and damage to your credit score.

Alternatively you can do the LOC (line of credit) on it so you can retain the home but are definitely subject to today's current rate environment.

Some lenders do have minimum credit scores to access these loan types, but it is the exact same qualifications for income and assets as non renovation loans. 

We talked to our accountant and she was recommending individual LLC's as well as individual checking accounts/credit cards etc..

This could improve your margins.Occupancy Rate: A 60% occupancy rate seems low for Jax Beach, but that is a reasonable conservative baseline. 

I don't think we go super low.

Sure you could do a money market or put it in an ETF or something, but this is one of the options where the balance "can't" go down or is extremely low risk while making a decent yield.

. - Low-income areas = High cash flow, low equity growth - High-income areas = Low cash flow, high equity growth - Median-income areas = Average cash flow, average equity growthFor me, median to high-income areas are where I like to focus.