Pay attention to the loan-to-value ratio; a lower ratio can reduce risk by indicating more borrower equity in the property.Building relationships with lenders is essential.

And if you reduce the amount, you are reducing your protection.I have tried both and I'm still not sure which way to go.Airbnb's solution (neither one, just a virtual deposit, in case) is the best, IMO, but vrbo has not yet copied this one (I wish they would).How are you dealing with this matter for those of you on VRBO?

Ryan if you were posing this as a general question for most beginning investors, I would say buying close to home such as house hack or within a 2 to 3 hour drive to reduce the risk that's involved with OOS investing.

If your cash flow has essentially been reduced to zero (or negative), yes it probably makes sense to sell.

Who can I talk to to figure out why my status was reduced from Pro? 

There are less lenders that do short term rental loans and they will usually have a reduced loan to value / LTV.

If you have a history of having rented the property by the room, a lender will very well look at the rent you have gotten and lend based on that (or at least the DSCR won't reduce below whatever LTV is offered on the appraisal).

This can reduce your taxable income and save you money on your taxes.Here are some of the key benefits of donating appreciated securities to charity:Maximize your charitable impact.

This creates two loan payments ($100,000 of equity and $300,000 on the new mortgage).Key NumbersHome Equity Loan Interest Rate: 6%Mortgage Interest Rate: 7%Rental Income: $3,000 per monthExpenses (management, taxes, insurance, maintenance): $800 per monthIncome and ExpensesMonthly Rental Income: $3,000Monthly Expenses: $800Monthly Mortgage Payment: $2,000ExplanationThe investor earns $3,000 in rent each month.They pay $2,000 on the investment property mortgage and $800 on other expenses.This leaves $200 profit each month or $2,400 per year.However, you have to pay $6,000 interest on the equity borrowed.This leaves you with an annual loss of $3,600.This example shows that while the rental property generates positive monthly income, the interest cost of borrowing the initial $100,000 results in an overall annual loss.

Tax is 5207Maintenance 637 rent minimum of 2200 to be on the conservative side does this unit make sense to purchase for long term  investment or am I better off putting money in a CD account that’s earning 5% interest