Dave Ramsey is good at getting people out of debt and building for their future so I would recommend checking out his website, buying his book the Total Money Makeover, watching his debt free screams on YouTube, and/or listening to his daily podcasts.

The only pro to launching a STR in SB county that comes to mind is that currently, I think we're reasonably safe from STRs being banned completely here, due to the fact that there aren't really enough hotels here to accommodate the 3 million annual visitors that come to the JT National Park.

Don't forget, VRBO charges the annual service fee, a credit card processing fee and a foreign transaction fee if the visitor is international.