Personally see these laws sweeping the nation.. 

That would be a separate mortgage and not what amounts to a second loan on your personal residence, which if you have spouses, they might not be that into. 

Quote from @Ashish Acharya: @Niklas Zhu If you tear down your STR in 2025 and convert it to personal use, depreciation recapture does not occur at the time of conversion.

You look like the kind of person who is going somewhere.

I currently use Wells Fargo and it’s a pain in the butt to keep going there in person and setting up a security deposit account.

I think they meet in person, but not sure it may be on zoom - they are not members of MAREI, so I don't have all the info - they do post their meeting on Meetup.And there are a lot of virtual meetings, plus MAREI events on our calendar. 

The person calling you is on a money grab. you do not need a wyoming trust. 

NOTE: an aggressive attorney can still track you down.LEGAL PROTECTION: By placing your assets in an LLC, you legally separate them from your personal assets.

Many clients will find it hard to trust a younger person with this big of a decision. 

Look into a DSCR, Debt Service Coverage Ratio, loan where the rental income can be used to qualify the cash out refinance instead of your personal income.To Your Success!