What's the best way to save and organize digital receipts and to snapshot paper receipts? 

Saving 20% down for an investment seems almost impossible today.

If we did not have the buyer for the price we wanted we would have closed on the deal ourselves to maximize our profit. 

Billionaires who promoted it will be hated and blamed for people loosing their retirement savings. 

There is a product for this, but honestly its going to be more along the lines of hard money.You are going to save $$$ by just simply doing a cash out refinance and using that as your down payment; especially if you have good credit.

If the purpose for the entity is liability protection, you should be having a conversation with an attorney.If the purpose for the entity the accountant should be able to provide any feedback if there is any tax saving opportuities with the LLC formation.Best of luck to you

I believe I can qualify for the HELOC on my own, saving my wife with additional debt ( when used) on her credit.Is there anything to think about if I apply to the HELOC solo?

A property owner that is looking to maximize return may want to run their own STR.

Sounds like a lot of moving parts and hoops for the amount of tax savings, but that's just my risk/reward profile speaking.

Use an operating account for income and expenses, a reserve account for maintenance and taxes, and a high-yield savings account (HYSA) like Capital One's 4% APY for idle funds awaiting reinvestment.