Your account structure depends on your goals for growth and if you plan to self-manage or hire a PM.

Remember, the notion of amassing wealth without investing is a dangerous myth perpetuated by self-proclaimed experts.

People who are involved in anything tend to have an overinflated sense of self, ego and importance.

The STR part plays no part in the valuation like @Patricia Andriolo-Bull said.I agree that 20% is pretty fair, but you could self manage it once you get things in order.

I 100% agree on self managing.

That will be you one day.Your future self will thank you (in 10 years).

I was also considering the REI expo in February so maybe I'll see you there.You're a self-proclaimed novice but I think many other members of the community would agree that you're well on your way given your potential cashflowing rental and equity.You seem to have a strong position which would allow you to keep growing your portfolio in the next few years.I'd recommend diversifying your RE portfolio the same way you're diversifying with other investments (REITs, Stocks, bonds etc.).

So I self-financed the first draw, thinking that it would help move the project along, but that proved to be a big mistake because Delta stopped responding to me after that. 

Additionally, you may wish to speak with a CPA as to whether or not becoming an S Corp is the right decision – they can assist with reducing self-employment taxes.

Even if such a loan existed (which I doubt), once Vincent self funds all improvement costs, finance charges, carrying costs etc., I doubt he's any better off.