Below is a comparison chart I use to look at some of the most popular markets.

(full disclosure: I regulate state-charted banks in CA, outside of your state - largely community banks).

The option B or C seems to meet your needs more precisely....

It's easy to forget what you were doing before you had to go add another account in the chart of accounts.  

I found this chart for the DC area. http://www.nolo.com/legal-encyclopedia/chart-clean...Also, $800 seems high for a little spackle and repainting, but again, I'm not in your area.

@Jon Holdman Precisely!

And, I doubt there's all that much you can do to enforce the precise 14 days of overnight guests rule that you think exists.

That makes my total need $3.5 Million (yes that's much more than the 10 times your income, but present value calculations are more precise than rules of thumb).

If you explain the benefit to the seller ie : amor chart and they can see what exactly they will make over time and not just taking a hit on capital gains taxes pretty easy sell depending on the sellers situation.Typically on your questions if the die.  

@Michael MelchiorThe chart listed on the following IRS website compares the two.https://www.irs.gov/retirement-plans/traditional-and-roth-iras