I am about to submit to the IRS my log of 500+ hours working in the STR business, most of which come from communicating with guests, cleaners, maintenance people, Airbnb, VRBO, and managing supplies, shopping, bill paying, pricing, calendars, all the daily and weekly tasks. 

If we are start to have problem with maintaining that standard, we will send our lawn guy to mow the lawn and will bill them the invoice. 2.

Some quick heloc calculations I could be approved for maybe 150k. with 8.35% rate 20 year repayment = $1287 bill.

Charging only $800 for $1200 market rent is no different to pulling out your wallet each month and handing them 4x $100 bills.

Anything you guys have found that fits that bill?

I am a retired RE Broker with decades in the business and thinking of returning to it as either a Wholesaler or a Fix and Flipper, areas I have completed before and have experience in, and, having performed a lot of due diligence, I once again have been confronted by con men saying they are not gurus then try to sell me a service at $97 per month, or $129 p/m ( billed annually, with no trial period and no refund which comes out to being charged (1,548.00 ) along with other shysters charging upwards of $20,000 for a level in which I could actually MEET the Guru and bow before him in abject humility and profess my undying devotion to him for his enlightenment, while making my wallet lighter and my stress greater.

Depends on when your tax and insurance bills are paid.

The facts you shared about 'most people' having $1K in their bank accounts is so sad but true..I look at my friends UberEats bills and then laugh when they say they are nervous about making rent that month. ;-)@Theresa Harris hello! 

Since lost job I am running into the issue with bills, but try to move fast to make sure nothing like my credit is mess up.

You can pay the bills, and wait for the market to recover.