Your insurance is going to be highly variable and I wouldn't use what an agent or the seller tells you as the cost of dwelling policies have increased substantially over the past few years due to rising new construction costs. 

And obviously yoru cpa would have told you to NEVER use a cost seg to make yoru income zero, that would be a waste.  

I create a comp set to dive into the competition and analyze how many other MTR homes there are, what cleaning fees are being assessed, booking lead time, # bedrooms and competition and if EV charge, Pet policy and Pools make a difference.JURNY for a PMS system & channel manager.

Get to zero personal or CC debt first.

As for cash or not I think it depends on rates, your level of risk tolerance, and what the opportunity costs is for that money. 

Consider a no pets policy. 

Gatlinburg is ground zero. 

I knew I was interested in capital raising. they had zero education about that topic.

Forgot to mention we have pricing with ZERO points in many cases.

Most focus on rate and amount of cash to close but bad loan administration or bad loan administration policies may cause the project to be far more capital intensive if viewed beyond day one of funding.