Some states allow tax and fee free transfer between spouses.

This is based on a few dozen private lender programs that I utilize for my clients.o Rate buydown ratio: Current norm is a 4:1 ratio, or 1% fee for 0.25% off of rate.

Management fee.

We will usually comp cleaning fee or give gift cards to local restaurant to comp any legitimate issues.

Each individual mountain town also seems to have more strict STR fees than other areas I've looked into.I know you already said you wanted to avoid CO, but just reiterating that it's probably wise to look elsewhere. 

There is no additional fee for any of the payment services like ACH (except credit card - which the tenant pays for if they use one of those).  

DSCR loans typically have higher rates, pre-payment penalties, and may not let you pull as much money out as you would like because they will be based on 2 factors: the appraised value of the home and how well the rent coming in can cover the PITI payment each month (Principal , interest, tax, insurance). 

The contractor does not necessarily get the money, but has to pursue it, and it still allows me to sell the property.Any further advice/thoughts greatly appreciated.Put the maximum amount of possible recovery , plus possible attorney fees, in escrow.

Someone handles accounting to record management fees, pay vendors, and pay the client... 

Income is taxable regardless if you withdraw the money from your account or not.IMO, taking a cash advance on a credit card is a bad idea.You are likely paying a 3% to 5% fee for doing so along with likely having to pay 20%+ interest.