Now, could you provide suggestions in her case or other case scenarios?  

I suggest you read them both.

Great suggestions! 

All suggestions gratefully accepted! 

What scares me the most is the social action side of Airbnb which could lead to overnight deplatforming because they do not like where you stand on social issues, or refuse to sign a pledge, or you put a quote from the Koran, Bible or Torah on the wall at your STR.  

To achieve this, we have applied the following filter criteria:Only properties with 2 bedrooms and 2 bathrooms have been considered for this analysis.We are only considering listings with over 30 reviews in the past 12 months.The findings are presented in the chart below:Here are some observations:The average daily rate for a 2-bedroom / 2-bathroom unit throughout the year stands at $308.Rates tend to be higher during the months of May, June, and July.Conversely, the lowest average daily rates occur in December, January, and February.It is important to note that the increase in the average daily rate during January is not attributable to increased demand, as indicated in the seasonality section.

Located in a prime area of Clearwater, FL, the house next to it is valued at $615k, suggesting significant upside potential.

I suggest you find a local real-estate investor meetup, attend, identify an old-timer who owns a few buildings, and ask him how to go about raising rents and/or evicting tenants in your local market.Good luck!

I would suggest getting with a tax professional to assist you since there's a lot of variability depending on your specific situation not only on a federal level, but with state reporting as well.

As it stands now I feel more comfortable with the second lender and I'll be moving forward with them instead of the first option local bank.