Had a hard time following the story, maybe not enough coffee this AM. 

I would also recommend something like Acorns which is a Round Up investment vehicle where you link your debit card to the account and every time you make a purchase like $3.49 for a coffee the round up to the nearest dollar amount, $0.51 gets deposited in an investment account.

Maybe answer a few questions for me over a cup of coffee or something.

@Peter MorganComplain to the electric company that the bill cannot be correct.Have them walk you through the bill and test your ref and A/C draw.If the electric company will not check your draw, hire an electrician to do it, and find the issue.Could be an estimated bill.

working as a server in a restaurant has never been about being a career choice. it is just a stepping stone. however, some waiters make plenty of money because of tips. an individual is the person who decides on their destiny. you chose if you will be a dishwasher for the rest of your life or if you will move onto to something else. we cannot save everyone because they make bad choices. choices have consequences.Raising restaurant wages of the extremely low base of $2.85/hr or whatever where it exists would be an easy compromise both sides can get behind and save face or look good with. 

Sounds like this could be an excellent scenario for you to land in.

Perhaps hml may be an option .

@Matt Higgins I’m working with a partner so I’m hoping that funding won’t be an issue at first but I do see how it could work against me.

Hot market, easy to rent these days so finding a new tenant should not be an issue. 

CONSLower revenue potential vs B & BStill need to get the B & B license (and still need to provide "breakfast" even coffee & donuts)STR biz model would mean much hight taxes vs B & B business (from what I understand)HUGE Airbnb competition - area is highly desirable but oversaturatedPROSGreat revenue for an under $500k total investmentQuicker ramp up to produce revenueCan become passive much sooner than a B & B OPTION 3.