Maybe more chance for value add or some other kind of bonuses like Opportunity Zone, bonus depreciation, cash out refi, and perhaps less headaches once you fund the deal. 

In addition to that, generally for any commission or bonus income you would need a full 2 years in the specific job/industry before you are able to use ANY of that bonus or commission income (There are ways around this if you look at non-conforming options, primarily bank statement loans, but those are going to be higher down payment, higher rate and require a large amount of capital to execute).

You are right that in TPAs there is no upper limit on these bonus ADUs, so long as you conform to the underlying zoning on FAR, lot coverage etc.

New accounts get an 80k mile bonus after $5500 in the first 3 months.

Another bonus to moving Airbnb to top unit is that you do not have to worry about bad reviews from noise.  

I make very good income (over six figures) but because of how much overtime I work (earned around 20k last year in overtime) and from my monthly bonuses (around 60k), I had to pay over $8000 extra in taxes.

My vote is for the Venture X, 75K sign up bonus, excellent transfer partners, 2x points on all your spend, and excellent lounge access (Plaza Premium AND priority pass).

Bonus points if a fellow BP member can provide a reference! 

Bonus if early!

Added bonus.