We also had the option of another type of policy that was even less expensive that would have required us to spend at least 1 night in the house and rent it at least 30 nights each year.

Better to spend $60-80k for a conversion than over 120k.  

Yes this method only works if #1 You make more money than you spend#2  You are willing to spend less than you make.#3  it works because people don't have discipline to pay their mortgage beyond the minimum.  

Due to the nature of the shorter lease terms, I am spending an excessive amount of time updating my Excel spreadsheet, MLS, business website, Airbnb, VRBO, and other platforms.

@Colin Ford Spend a good amount of time building your team in Florida.

Even if a software is free or cheap, it's the time investment getting things set up and then tweaking it for the first few months that is the real "spend".

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

It is easy to spend thousands of dollars in marketing and have nothing to show for it.

They hold your money, spend it without your permission and you have to call and email incessantly to get a release of your monthly draw.

The last polling I saw showed that the large spending by the aids health foundation was working.