Unfortunately I can't use the boost option yet because I'm not a Premiere Host. 

I just saw a post by @kenny Simpson (who for some reason doesn’t show up in @ search, that said there was a Fannie Mae low downpayment option with no self sufficiency test…) maybe you can find it though I don’t know why I couldn’t mention him. 

First, if you spend $450K to add a unit, it doesn't sound like you are adding $450K in value based on the comps for a 3-unit property.

Here are a few popular options for inventory management in the STR industry:Smartbnb: Smartbnb offers tools for automating messages to guests, but also includes inventory tracking features.

Based on all of this information, we decided to give the main tenant a notice that we will be ending the lease on Aug 15.

Based on conversations, CRE could be a great option long term but I may be locked into a lower income in the short term and the potential for earnings are more dependent on my production in the residential space.

One option is that you could do a HELOC on the home now to get her the immediate $250k.

If you do that, you'll have around $400 profit per month and your numbers won't look good.I also noticed your rent rates appear to be based on projected increases, not current rents.

You can get 10% or better net caps based on cash purchases.

That said, the importance of having a strong base of savings is something to consider.