And for the record there is a HUGE difference in the amount of odor in a unit from 3rd hand smoke which is what carries in in your person when you smoke like clothes smell and breathe smell vs the smell you get when there’s actually smoking in the unit.

That strength i carry that lets me stand alone is beneficial but also as I left that crowd i was never able for unknown reasons to reconnect to a better class of people or even network.

Also, I don't know if it would be worth it from a liability perspective either, but would advise to chat with an insurance pro/legal pro.When purchasing a primary residence, conventional loan guidelines will require you to take down the property in your personal name.When it comes to taxes, you'll likely be able to take the standard deduction AND itemize Interest, Taxes, Insurance, Depreciation, and expenses prorated based off the rented portion of the property when reporting the 1040 along with W2 income.

How much interest will you pay on the HELOC while carrying and paying down that $3000 balance during this process?

You can hire someone on Fiverr website and they'll add furniture and personal items to a blank photo for a very reasonable price.

A cash-out refinance can provide liquidity while keeping the property, though it carries risks.

You just mitigate it as best you can, carry good STR insurance and roll the dice!

So the inspection is pushed back 10-25 days until those items get installed. 

You can have a box of items that are free for tenants to take/use: toothbrush, toothpaste, charging cables left behind from other guests, sunscreen, unused earplugs, etc.

DSCR loans carry Prepayment Penalties, so unless you are comfortable staying in a 9%+ rate for 5 years, I would suggest just going with a normal 20% down DSCR.