Joe, If I am understanding you correctly, this is a misunderstanding of how the airbnb payout works. 

Someone took six months to build a 1600 sq. ft. 3/2 block house on the vacant corner, without a garage and i got to know her through my neighbor who worked with her before.

The investors I work with like that we have 3 and 4 bedroom options for an off market price.  

A strict cancellation policy and never allowing Instant Book have worked best for us.  

You can expect to pay between $25 to $50 per loan per month.Remember, no one will work harder on your loan and has more at stake than you!

I believe both (married couple) are actively working.

we work with a multi state operator to find new sites and we generally target .6 - 1 acre for our buildings, but they are single tenant free standing buildings. 

It's easy to draw out but it's not easy when you want to change your numbers since one thing effects the other.I'm trying to find something where you can put your first rental at the top, type in it's cash flow and keep working your way down as you acquire more properties.  

If you can find something where the numbers work...jump on it.  

So, common sense would also suggest that method may limit your business in states where that form of logic doesn't work.