Read my generic LLC advice below.

I have 0 experience managing STR properties, but lots of experience using Airbnb from my travels 😅 I am halfway reading Avery Carl’s book on STR.

I read your post and it looks like you want a partner but it wasn't very clear exactly what you want or what you're looking for.

I wrote a BP blog about the processes we use, you can read it here. 

I assume my name but reading about insurance specifics if there were a claim I'm wondering what others have done? 

From what I remember, and what I'm reading online right now, electric heat can cost 3x as much as natural gas.

All it will accomplish is create a $800/yr tax bill from your lovely state.As to your question, read this thread:https://www.biggerpockets.com/forums/51/topics/1225072-do-i-... 

I’ve taken a million classes, read a million books and countless meetups but I know the best way to learn is by doing.

if it’s illegal today, I don’t want inspector to show up and have more problemsI read about houses build before 1957 so if in current condition I would go to the city to get permitted, would 7ft ceiling still be a problem?

.: I recommend you invest between your two ears as much as possible, whereas 20 K is not going to get you very far in and of itself.I have a masters (student loans paid off) and read 8-10,000 pages a year.