Most people won't put in the work. 

I would tend to agree with the other CPAs typically.The 500-hour test is one of seven material participation tests used by the IRS to determine if a taxpayer is actively involved in a trade, business, or rental activity. 

I try my best to help as many people as possible.

I am no expert and just do what I am told.  

For example, we have an artisan chocolatier in a town of 350 people.

People are looking to live smaller or some are being forced to live smaller, hence the insane growth in apartments and storages.

Some of these groups are dedicated to people advertising their STR.

I've also heard good things about Iroquois and Shawnee Park as the next up and coming areas from people on here and the Louisville subreddit but take that with a grain of salt.

This is a great place to learn and to connect with people so take advantage of all the great resources.

Typically people making the designation a private lender is someone you know and have a relationship with and will privately lend you the money.