One thing to consider is raising the money with other investors to secure the loan, the returns are lowered because you are splitting the pot with them but that would increase the chances of actually acquiring the property.

Have you included STR specific insurance, furniture, pots and pans and dishes and all kitchen implements, linens, paper products, etc. and all utilities including internet and cable? 

I'm financially responsible so it would only be a safety net.  I

One habitual late payment 2) have Ling term guest over ( super saw their guest have key and open the door) 3) smoke pot altho in our city is legal to smoke , but neighbores complaints about strong smell.Should I just communicate with her have her move out end of lease on her own?

Sink cutout is included in the labor and they’ll give you the cutout for a sweet pot holder if you ask.

, my net is much less -- maybe $25k.

Her lease up, I can just tell her that neighbores are compliant about smell of pot from her unit and suggest her to move out?

Maybe some hedges and potted plants on the front porch? 

More like $5k/ Ours are furnished with good quality furniture from thrift stores, antique stores (not the expensive kind) and of course, FB and CL.Especially great deals on plates/silverware/pots & pans/toasters/coffee pots/Etc at the good quality Goodwills and similar...

Although the payments are higher and the fat is slimmer, I have a larger pot of equity to draw from after year one to leverage and get another property via HELOC.