We're in the business to make money right?

You can most certainly make more money with higher occupancy in your short-term rental.2.

If they don't, then you file a claim and hope the insurance company squeezes the money from the tenant.Get rid of this tenant.

I have used both TSP loan and HELOC to purchase investment...I certainly thought the ROI from real estate was better than relying on highly fluctuating stock market. 

Structuring Financing for Volume-Based InvestingTraditional financing methods like hard money loans work well for single properties but can be less efficient when you're scaling up.

House hacking is the BEST way to get into real estate investing and that's how I personally got started as well too.

.✅ Landlord Reserves – Always have extra funds for unexpected expenses.To make sure you don’t end up losing money each month, use a rental property calculator or build a simple spreadsheet to break everything down.

This risk is amplified the less money you have attached to the deal.

However, this is not really effective in the real world.

Disclaimer: I am a licensed real estate broker associate in Florida, but this is not legal or financial advice.