I have 1 week left for trial period.

The short term rental loophole is for rentals where the average stay period is 7 days or less.

David Faulkner when I'm doing a Reno I periodically check in with an interior designer to tie together the finishes.

.### Annualized ROI (CAGR)To calculate the Compound Annual Growth Rate (CAGR) for the 5-year period:\[ CAGR = \left(\frac{Final\ Value}{Initial\ Value}\right)^{\frac{1}{Number\ of\ Years}} - 1 \]\[ CAGR = \left(\frac{385501.88}{235000}\right)^{\frac{1}{5}} - 1 \]Let's calculate this CAGR:\[ CAGR = \left(\frac{385501.88}{235000}\right)^{0.2} - 1 \]\[ CAGR \approx 1.1054 - 1 \]\[ CAGR \approx 0.1054 \text{ or } 10.54\% \]This 10.54% annualized return is substantially higher than the 3.03% from the 30-year term scenario.

This gives the Owner the best of all worlds - SF or STR/LTR - enabling keeping the home affordable for home owner while also providing an affordable place for a friend or family member to live, all while having privacy for both.The 30% is just the difference between the total of my experienced estimate of what the build would have cost just 3 or 4 years ago plus a factor for the current period of inflation, versus the total of the bids that came in. 

Be aware that owners usually have period of time in which to reclaim ownership of the property. 

However, large volume wholesale companies of which I'm aware tend to have non-compete agreements that you must sign, which would "prevent" you from going into business for yourself (or with a competitor) for some period of time and/or within the same territory.

Lease-to-Own Options: Some sellers might offer a lease-to-own option where you rent the property with the intention of buying it after a set period.

We looked into DSTs but did not like locking up our money for long periods.

I get it.However, the one thing I've never heard is how exactly you go about paying these cards back before the introductory period runs out and the accumulated interest bankrupts you.The only option I can figure is that you (hope to) refinance your cash out and pay back the cards(?).