Interest rates NEVER matter and you can make money all the time.

And I seriously doubt any non profits are money laundering, but then again neither is Joe the Barber LLC or Betty's Property Management LLC (which, especially if they are Single Member LLC's--which flow to the 1040 without any tax return for the entity--are already identified to the government computers at the IRS.If you want to swim with the big fish you have to get wet.Maybe the resident agents will offer to fill this out as a service for $50 to $100 (???)

It earns more risk-free in money markets than your mortgage rate probably. 

These operators totally bungled the deal and operation but still made money due to the market.2.

More big name companies will join the STR industry and hosts who are not exceeding expectation will be weeded out by their money power.

Take the money you would be spending on filing and additional costs and put it toward an umbrella policy.

@Luke H.Hi Luke,  As a private money lender myself I will focus on one element of your deal---5 years is a long time to be finally paid. 

For example, in Michigan those additional expenses would include revenue stamps owing for two closings. 

@Dan GroveAs a private money lender I agree with Nicholas' sentiment.

Even with $50-100k, you can start small (like single-families or 2-unit properties) and recycle your money to keep growing.