The one with evidence wins.As always, @Nathan Gesner coming through with the most solid and practical advice.If you have issues with your PM, be very direct and state your case.

Make it your business practice to post the notice to pay or quit precisely on the day after the grace period ends, every time.

DSCR Cashout is your best bet!

The bottom line is this: Concealment is not asset protection, proper (time consuming and expensive, I know) management, and good, prudent, practices (ditto), WHICH ARE ADHERED TO, and insurance (expensive), are needed for asset protection.

I would say for most people, the 1st position heloc is no a good bet, especially if you have a 1st mortgage rate of less than 5%.Using this strategy with a 2nd position heloc can be just as powerful, so you can have your cake and eat it too!

If there is not enough STRs in the market you are in then you have to adjust business practices.

If I lived in SFO, I'd bet on it all day. 

Personally, I love them because they offer built-in diversification.In my experience, local banks are your best bet for financing mixed-use properties.

Then your best bet are probably community banks which have more flexibility (albeit worse terms) than larger banks and also worth looking into are DSCR lenders.

I can bet if inflation runs then Boston prices skyrocket, but I doubt Austin does.