I use a Netflix and a HULU account specifically for the STRs. 

It wasn’t until Joey cleaned out a joint bank account and got Chris for $25k that he realized Joey was not a good guy.

I think some hosts would account for the cost of purchasing good quality bottled water as well, which is why the Brita water pitcher is popular. 

Much like what you've pointed out, the homes we could afford to put 50% down on needed a ton of work, plus we needed to set up bank accounts and such in Italy.This is something we're still looking into, but we decided that we will need to make it a vacation home/permeant residence for us and continue most of our investing in the US and other countries for the time being.

Once that reserve fund is established, move all future cash flow to an investment account.

To replace your income you need to flip a lot of houses, I'd do the math with an average 10-15% profit margin, because you have to account for some turds.The other opportunity is to change your job and take out the element that you hate.

Per NJ law, must I include account number in the lease?

We have retirement accounts, a small private stock market account, and an emergency fund. 

Ultimately, consulting with a real estate focused accountant is the move here, but this should be a helpful primer.

I believe there can be great value in paid accountability as it really puts on pressure to perform and can provide you with someone to smack you out of paralysis.