Know that every long term lender will require a survey and if something comes up on it when you are trying to sell or refi, you could get stuck in hard money without an easy or quick way to get out.Is there a pre-payment penalty?

You can learn something from every Guru Program but no program will teach you everything you need to know.

Is it something that will pass?

Maybe selling is the best option stop the bleeding and do something that is more risk adverse. 

@Marc Shin, Soundproofing is definitely something worth tackling for a short-term rental—it’ll keep your guests happy and help you avoid complaints.

Ken, You're changing the subject to something neither of us ever discussed.The only thing you claimed was that having no-debt on a SFR property makes no sense, because of your theory that the government is going to be massively raising taxes on property owners to "oppressive" levels.

, but I don't want to unknowingly do something against landlord-tenant law (Baltimore City, Maryland) to make the judge say "damn!"

Sometimes you have to try something out for yourself because it's hard to sort through all the responses and know what is fact and what is opinion.

They are going for bigger fish than you (I think) but this would be an instance of something that opens the door for that for you.  

I position my inspections as 'planning for future repairs/improvements' which mitigates that whole 'he's here to get my security deposit' mindset.And, I would rather have the tenant with me than to have him later claim that something was broken during the inspection.