Eliminate your current rent or mortgage.Also, I wouldn't rent to a friend.

I wonder if streamlining the cleaning cost into the ADR ("eliminating" another extra fee) encourages greater business (especially if positive reviews note place is clean, etc.) even if the market has shown it will bear the cleaning cost (and it's routine).Scenario 1: Guest pays $400 per night for 2 nights plus $300 cleaning fee.

ACH and debit/credit card payments are usually a couple days.

Can you pay off a higher interest/lower balance note first eliminating a payment.If growth is your goal then it doesn't make sense to pay down any mortgage that is cash flowing unless the local market suggests this might change.

Its a win for the tenants only paying for utilities that they actually use, and a win for you as owner reducing your expenses, & eliminating your risk of utility cost increases. 

And it took a full week for the check I deposited to clear, and even longer for the ACH payment I transferred from one of my accounts to show up. 

My goal is to refocus, and reboot my investing career by eliminating my debt and having my money work overtime. 

After completing the remodel, I plan to switch to a different insurance policy and be refunded the unused portion of the escrow, making this approach a win-win for improving my home and saving money on insurance.Additionally, by paying 5% down and planning to reach 22% equity in the property to eliminate PMI, I'm taking proactive steps to reduce my monthly expenses and make homeownership more affordable and sustainable in the long term.ConclusionI'm curious to hear from the BiggerPockets community: have you found that renovations can help reduce insurance costs?

The poison dehydrates the bodies eliminating any smell.

Eliminate that risk so you can sleep at night.