Less dependence on online travel agencies (OTAs) like Airbnb and VRBO, more people booking directly with you leads to increased profits.

From 2019 county records, land is 86% of the total value of the property which is not realistic.

I just spoke with Steve Lansbury VP of underwriting at Freddie Mac last Thursday at the MFE conference in Vegas and he said that they no longer have issues with STRs as long as it's under 10% of total units and that they would be willing to discuss it on a case by case basis. 

There are excellent resources for new users on platforms such as BiggerPockets.Get more information by reading books and taking online courses about real estate.

However, I totally understand your frustration and concern. 

For example, interest only vs. interest and principle vs. interest, principle as well as a certain minimum % of the loan are all types of payments I've see on lines/loans of credit.

But, an LLC will not limit you from liability in total.

Here's an example:50% of the total price due at the time of booking.If they cancel 30 days prior, I refund the entire amount.If they cancel 15-29 days prior, they lose half of their reserve payment.The total price of booking is required 14 days prior to check-in.If they cancel within 14 days of check-in, the forfeit all funds collected.If I am able to rebook at any time during this process, then I refund their money, minus a processing fee.If they booked six days and I can only book three days, I will refund three days of their money. 

I know some people online say that the government covers repairs but I haven't seen that in any of the documentation and from what I've heard from fellow investors that is a lie.

Hotels still account for 85% of all total stays.After all of the buzz the last couple of years, one would have thought that STRs took over half of the market share, and according to the headlines that is about to come crashing down.Jamie Lane, Chief Economist of AirDNA recently spoke to this on a podcast.