5.5% seems very short in todays market . how many points ? 

If you haven't already, a professional eviction service might offer additional strategies for dealing with difficult tenants and can coordinate with law enforcement to ensure safe access for inspection.Hiring private security for a short period post-eviction can help ensure safety.

Title company set to close it but wants a 90 day cooling off period if the seller appeals or something comes up before they will deliver the title and give me insurance.12. almost 3 year later now we close and get our title insurance so we have also have fines to deal with and 3 more years of tax's13.

DST companies might not give the best return but I'll be ok with smaller returns.Oh and if anyone knows when it says 7-10 years holding period ... what does that mean exactly ?

A Cost Segregation study is an IRS approved federal income tax tool that increases near term cash flow by utilizing shorter recovery periods for depreciation to accelerate return on investment.

Answer: you would NOT be able to get a loan, period, the banks would shut down lending so fast your head would spin until Uncle Sam comes along and bails them out (again). 

Right now it is staying profitable as a short term, but hoping it will work as a medium term for more stability and less stress!

You'll have periods of vacancy during summers and winter breaks, so factor that in.  

I know its pretty common in short term rentals, but I'm not sure about the legal implications. 

I might be the minority in this but it’s freedom, it pays well, you see success tied directly how hard you work and life is short.