While your properties hold significant equity, adding debt from HELOCs or a DSCR loan could strain your finances if STR performance fluctuates or costs rise.

Is the issue in scaling in time strain and work flow or money?

Specially with a new Covid 19 strain found in the UK.

However; investors also bear a responsibility to sufficiently investigate the contemplated investment, to assess whether the investment is appropriate for them, and to know or learn enough about personal finance to evaluate whether or not they are able to sustain a loss without undo strain.  

Even though her credit report might not show the HELOC, the default could lead to financial strain or a decrease in the joint asset's value.In sum, while the wife may not have direct liability on the loan, her financial interests and credit situation could still be affected by her husband's actions regarding the HELOC.

I think you need to sign up on Meet Up and RSVP: Tuesday, Nov. 12 Walnut Creek  at Rotator Taproom 6pm (short notice - it's tomorrow)Thursday, Nov. 21 Oakland at Two Pitchers Brewing Company (hosted by Tyler Jahnke of Kenji Capital)Saturday, Nov. 23 Tilden Nature Area, Berkeley hike at 10am (hosted by Tyler Jahnke of Kenji Capital)Thursday Nov. 14 San Francisco - Happy Hour/Networking at Alchemist Bar and LoungeTuesday, Nov 19   San Francisco - 100% Funding for your Deal (Sports Basement at Stonestown Galleria mall)https://www.meetup.com/bayarearei/events/304151177

If you can’t secure a tenant quickly, selling might be a safer option to avoid further financial strain.

You might budget for them to last 20,000 miles, but if you rotate them and avoid damaging them they might last 30,000 miles.

What about keeping it way it is and hiring a PM.I would either option A or option C and lean toward option C, while take tax hit etc. and others its done and do not need the mental strain

Quote from @Audrey Scott: My professional advice is to develop a clear repayment strategy to ensure timely payments and avoid potential financial strain.