Quote from @Andrew Steffens: Sorry about your frustrating issue - Airbnb is not only guest friendly but most of the time they will be the one paying for damage so they are going to try to minimize you. 

I’ve been working with several lenders for DSCR loans, but I’ve found that the fees are quite high, with minimal benefit in terms of lowering my current interest rate.

Thank you Eric.In addition to the rental properties, my wife and I have a paid off house, paid off car, and about $1.4m in retirement accounts, brokerages, and savings.We live in a HCOL area and our expenses are $9.5k per month even though we live pretty modestly.I set out initially to have real estate pay for at least some of my expenses in order to give me more freedom and financial security.Is your wife quitting too? 

How do we minimize taxes on the profit we're making on this first home? 

DOM can be minimized by a number of different factors including the quality of marketing, rent price, availability to show. 

So while I have family nearby I want to minimize excess wear and tear because 1.

It's a single family home with minimal work that needs to be done.

I've added a few things for very minimal cost that guests really love and increased revenue ~34% year over year.

I realize this comes with the STR business but if I'm going to continue to use VRBO I need to find away to attract the "good" guests and minimize the bad ones.

Both are digital-first banks with minimal fees, and Mercury in particular offers free domestic and international wire transfers for most account holders.