For example, if you manage the rental yourself then you won't pay a property management fee.

Hey @Justin Brown, what @John Underwood said is spot on.SLC has been restricting STRs for a long while now and it isn't going to get better.People who have STRs in areas where they are not allowed are breaking the law and will eventually pay the price.Having said that, you should check and see if there are certain areas where it is allowed in some way and that is why they exist there.

Unfortunately this market doesn’t appreciate that quickly, but I possibly may do that in 2-3 years depending on the market, debt pay down and the interest rates at that time. 

So even if you do only avoid paying federal taxes on say the last $100K of your income, that's a really good deal.P.S.

Also, when I switched to new management, Northpoint suddenly issued new "fees" (some back-dated for 2 years ago) and wouldn't pay out the money that they owed me.

---The way my mind is thinking, this should be eliminated by paying off the mortgage with the WLI cash value policy loan.

The unit is part of a condo association for which we pay fees.

Also never pay any upfront fees and go with a trusted lender who closes through a title company. 

It appraised for $201,000 the other month and I put $103,000 in my pocket after closing costs and paying off the old note.I wish I had about 20 more of those...

The public has no way of knowing this is occurring until later notices document and prove it.b) Once thats up  the borrower sends a Notice of Default and Intent to Accelerate giving 20 days for the borrower to pay the entire amount owed (cure the default).