We purchased the lot with some friends and completed a CPR and now have 2 separate deeds.

Hey @Tomas Nuno, one of my friends is in a similar situation.

Anytime your STR is used by family or friends below market rate - it is considered "personal use."

By understanding the potential risks and taking proactive measures to mitigate them, we can navigate the digital financial landscape more safely.Please share this message with your friends and family to raise awareness and empower others to make informed decisions about their financial security.Stay safe and informed,Links to my current situation .This reddit post sums it up and has several news links and twitter links .https://www.reddit.com/r/yotta/comments/1cv1mkc/simple_summary_and_your_recovery_steps/

I mainly bought the large house because I had 3 three friends graduating from med school and masters programs and were getting jobs in / near the city. 

Also make sure all your friends & social media contacts know you’re in real estate as people who already know, like & trust you are the best sources of business.  

You could be calling their friend or relative. 

I’m almost wondering if they held this property, at my expense, for a friend or acquaintance.

Awaiting an answer from my banker on what their current rate is on a HELOC (smaller local bank that tends to be investor friendly).. curious what thoughts are on HELOCs in general right now for such things?  

And you risk the boy friends and baby daddy's.. that's your risk.And of course kids are rough on houses I don't care what environment they are raised in..