My wife has a hard time spending money.  

That is just a one off report so before you spend a buck fiddy, it is a good idea to visit a couple TK operators in person first.

Your best bet is to find one that has flexible membership options, without high spend requirements.

Get a side gig for extra cash flow, stop all extra spending and live like a monk. 

The average person thinks about a dollar and how they can spend it.

My business card I do probably have a $10k spend a month on it, but I dont really carry a balance on it, except a little in dry seaons to better manage cash flow.

If we decide to refi in 3-5 years, though, we may time a couple of the leases to end at the same time and spend ~$6k to tear 2 rooms down and rebuild them.

.- You close on December 10th- The property is in great shape and does not need any significant repairs- It only needs some paint touch-up and changing a couple of broken fixtures, which you do yourself- You spend the next week buying furniture, electronics and supplies and installing/arranging everything yourself- You also roll up your sleeves and scrub the toilets and sinks and appliances- You put it on AirBnB/VRBO and have your first guest renting it for the 3 days of Christmas- You second guest rents it for the following weekend and leaves before NYE- You personally clean and restock the place between these two guestsCongrats!

There’s a lot of valuable information out there without spending thousands of dollars.

But they'd rather spend their time finding more syndications then worry about current investors.