I think Littleton and Arvada are the only neighborhoods you could make that happen, the rest of Denver only allows Airbnb in your own primary residence

That way you will only borrow the amount you actually need and can leave the rest of your equity alone.

chris I have not run into this yet but I do have duplex I would like to add egress windows to that I bought already occupied but with low rents compared to rest of the market.

The rest of the depreciation as a W2 employee is of no use correct?

For the most part, I would agree, however the cases apply to the Tokyo real estate market which is very different from the rest of Japan.

Think hard about the next part, if you don't  get the funding to pay the rest off in 35 days can you afford to loose that money?

The rest is 50% LTV.

I'd like to keep the place for 3-5 years, live in it while my job takes me to that area for a year or so, and rent it out the rest of the time.

My only concern is if this income stops for some reason and she no longer has any way to pay the rent...she has told me that her SSI disability is for the rest of her life and it will not stop...

For you its 10 times harder so just take it one step at a time and micromanage the hell out of the rest of this project.