@Kenneth GarrettWere your properties in Cook County?

"When renting to four or more tenants, separate rentalagreements for each habitable space (i.e. spaces used for living, sleeping,eating or cooking) are required "  What???????????????????

I've been present since Seattle(and wa state) landlord/tenant laws went from fairness to insanity. ..STR or (airbnb) is still a passive activity, unless you're getting up and cooking your guest meals and turning down his bed for him. 

My wife and I have only ate take-out from local restaurants when we haven't cooked at home to try to help out and it eerie to see empty restaurants and us being the only car in the parking lot at a high time... that can't be good.

Gas bill for hot water and cooking is about $90 per month.

On taxes my 1/2 of the passive Texas/Oklahoma/Florida real estate fund made up of private placements & partnerships actually shows negative income because of all the passive losses.I make another $20-$50k off of a 2nd business I started in Oklahoma mining crypto which is very high return & high risk but going strong now for over 2 years.For now we have cut expenses to the bone couponing, cooking at home, price matching & using discounted gift cards,living in a garage loft & driving around a fuel efficient 12 year old car.Hoping to climb the ladder the next couple years & pass the $100k mark & then go way beyond that to $250.

Look up HOEPA loans you are skinny to the rules.A hard money business purpose loan will cost them 14% and 6 points but they have the set up and disclosures and legal cooked in.

The prop is in cook county.

So are you saying that I need to have pictures of the pots, pans, etc. because the kitchen is fully stocked with everything needed for a large family to cook. 

Quote from @Dillon Cook: It's definitely slower.