I would call your local governing body and get their feedback because that can be another cost for you...

Keeping a 2.99% rate sounds great, but it may be costing you thousands of dollars if you are in the double digits with your other outstanding debts.

I do not see a need for extra cost or tech not all of your guests will appreciate (i.e. older generations).

Could you get another tenant in the third bedroom to really bring down your cost of living?

It has sat empty for the last 20 years but the current owners have completely gutted it, have bids from contractors they're willing to share, cost estimates etc. and have had lots of inspections done and so much pre-work with the city and county to figure out what they can and can't do, so a solid plan is already in place.

Here are some of my takeaways from your budget:Operating Costs: Your STR management fee of 20% is high.

Additionally, don’t overlook the opportunity cost of pulling money from your 401k—those funds could have been compounding in the market.I’d also suggest stress testing your ROI by running scenarios with higher expenses or lower rents to see how resilient the investment is.

One place to start is how much is the rent and your monthly operating costs?

Should I be looking at markets with a lower entry cost? 

To manage upfront costs on fix-and-flip projects, many investors use a combination of strategies.