Bottom line, you will need to find partners - which brings us back to the question of how do you provide value to other presumably more experienced investors?

By eliminating names and photos--pieces of information that make it easier for hosts to illegally discriminate against a group of potential guests--Airbnb will, I presume, assess if doing so reduces discrimination.  

This is not always true, although more likely in this situation due to the service call results.I would have been inclined to give the tenants the benefit of the doubt if the OP had not stated that he had recently been living in and and renovating that apartment and presumably using the oven. 

However, let us presume that for what ever reason 5% of the ARV could not be extract (so 95% LTV after the refi).  3% property appreciation results in 60% return from appreciation (remember this is a market appreciating at near inflation rate).  

I'd then talk to the person that will (presumably) help and talk through your plan.

I think it's interesting you're getting everything out of your IRA - into RE I presume?

And you say, before making your very first larger monthly payment:I thank you and wish you the best, Good Day.But what the mortgage industry does not realize, explicitly at least, is that you presumably have some plans with that $200k that amount to more than partying in Tahiti, like perhaps investing in some sort of area that allows for highly leveraged asset acquisition.

Presumably, the other 80% is being put into investments that are yielding the same as or less than the original asset where you invested the 20%.  

And since they presumably will continue to have to deal with renting, maintaining, and managing the property after the purchase, their motivation is typically more inline with yours.

The math would look like this:  If you snowball your debt payments, every bit of interest that you would pay to the  bank instead is liberated, presumably to pay down even more debt.