I am in survival mode and hopefully things go as planned you are right, it’s really a game of who can screw up less than who can hit the jackpot most, I guess I got cocky and put 10k without inspection think that’s a sure thing 

For me below is a short list, but bear in mind that my specific STR investment model is 'vacation house for free'. 

My business model is similar to the sneaker heads who resell Jordan’s, so it can be volatile which concerns me.

My business model is similar to the sneaker heads who resell Jordan’s, so it can be volatile which concerns me.

Your model is actually quite similar to my last employer who owned and managed hotels.

I'll assume the worst case scenario in that you have a more expensive refrigerator and want to either repair it or replace with a similar brand/model. I

I'm still gathering tips from my business partner who is beast mode on RE photography for STRs.

But the Tiny house model is really appealing to me for the low entry cost, opportunity to cash out on selling units while creating cash flow with very low maintenance.

The money you make on renting-by-the-room could go towards paying down the principal....OR.....you could put that money into hyper-growth mode by investing it into say, an ETF.....regardless of which path you choose, you will soon have paid-down the principal and have that 20% equity that is needed to eliminate the PMI. 

Networking mode.