It might take you 25 years (not 10) to replace your (inflation adjusted) current income (gross or net?).

The advantage of the SBA financing is that you will only have to bring 10% to the table, but you will also have to show with the existing building and your Adjusted Gross income that you have the capacity to pay for the new debt. 

Basics Of Cost BasisTo further understand basis adjustment at death, we should first explore asset basis treatment during an owner’s lifetime.

If one buyer doesn’t want to pay what it’s worth, someone else will.Know your market: If the market truly shifts and a buyer’s concerns are valid, it’s reasonable to adjust.

I will say though, if you take a look objectively you might easily find a way to adjust the floor plan with just adding a wall or door.

If you don't have the vision to have MANY airbnbs in Champaign I'd suggest figuring out a strategy you have a long term big vision.Pros:  High cash flow (if done right), typically properties are oddly better-taken care of, sexyCons:  Management/system intensive, always on call, regulation can change things instantly  

As we approach slow months I manually adjust my pricing to try and always stay just below the booked property line.

Like @Corey Hawkinson pointed out a person can still utilize them, but with much updated adjustments and conditional variations.

If any issues were to come up, you can easily call a vendor you trust to remedy the solution.Short term rentals are obviously more time intensive but even then they can be easy to manage.

An appraiser doesn't make much of an adjustment, but the market will.