I'm a CPA and I use a CPA who has the expertise to handle my situation.I've learned over the years the DIY approach slows you down as you dedicate precious time scratching the surface of too many topics.

It sounds risky on the surface, but the more I look into it, the less likely it seems the lender will figure it out.

Studio rentals is not a very economical investment for STR because you can't really add anymore sleeping surfaces to it vs having at least 1 bed will allow you to sleep 4 people (2 in the bed and 2 in pull out sofa). 

Generally when you fix a surface that whole surface needs to be painted. 

The last winter I spent in Tampa, after a-sprinkle of rain, when the ground was at below freezing (I used to wear a leather-bomber jacket) caused the surface of the roads to became a 'sheet-of-ice' my vehicle was hit by another vehicle.  

The tenant isn't what I would consider the stereotypical bad section 8 tenant, so on the surface of it all, I don't see any red flags that would push me away. 

Hey @Nick Barberio, this may not be specifically focused on surface-level negotiations, but I did attend an in-person seminar last year that has helped me tremendously in negotiating and relationship building.The event (Amplifii or Ampcon) is hosted by Rene Rodriguez and is centered around helping people improve their leadership skills, communication skills and overall influence.

And because of it, stuff is starting to break...nobody knows the shadow banks and companies that are next...that takes time to surface. 

Hope this gives you a couple ideas as this is just the surface of the analysis aspect.

It hit me like a ton of bricks when I saw the life slowly leave my daughter’s beautiful face, her wise beyond her years understanding wouldn’t allow her to let her true emotions come to the surface, and said “dad it just wasn’t meant to be” I went from a co-signing hero, to an absolute “watch this offer” zero!