(Usually you cannot use prior employer history until you have been at your new job for 6 to 12 months, depending on the underwriter to show that you are maintaining the same level of bonus/overtime/commission income that you had at your prior employer).

@Chris Mason is spot on as usual. 

I own a recruiting agency, and I always do my best to support my candidates, getting them an extra $30k-$50k salary if possible, and making sure they're going to a better place.

Usually there is a second income in the family. 

It may sound nice to pay a 6% management fee but the extra fees can add up to be more than the other company that charges 10% with no additional fees.

Also for a BRRRR in general to create enough equity to refinance out your money and create a cash-flowing rental you usually need to start with a VERY distressed property and do a significant rehab.

You definitely would want to read through the county laws again.If you don't want the extra load up front, best to wait until you get the license.

The umbrella is a good idea as they are usually not too expensive for the amount of coverage.Get a good STR policy.

With an extra vacancy or a maintenance issue or an extra turnover, this is definitely a negative cash flow producing investment.So when you say the rent growth and value growth have exceeded your expectations, I would love to have you respond as to how that is possibly the case. 

I am eyeing up a property I want to buy that costs much more than usual so my plan was to use a hard money loan to purchase, and rehab it with my own money, then sell.