I'm New not New to the group.

Looks like the slab is in good shape. 

I specialize on STRs in the Tampa FL area.  

So if you provide a good letter of explanation, then you could do more than the 10% as long as it falls within the 50% of the gift funds. 

Send them a written notice of non-renewal, following your local laws about how much notice you need to give.

Biggest piece of advice: Don’t overthink it—your first deal won’t be perfect, but it will be your best teacher.If you ever want to talk through loan options or strategies, happy to help.

After living through the GFC and the shrinking market for local banks, they saw an opening in the market for what they call "consultative banking" like they had years before and decided to start a bank.

Some are spending hundreds—sometimes thousands—a month, draining their financial futureAs real estate investors, we know that wealth isn’t built by hoping for the next big win—it’s built by making calculated, smart moves.

A few thoughts- do you have any equity in the car with the $20K loan? 

I have watched her grow her business since the beginning stages.