Everyone wants super host status undoubtedly. 

I have watched multiple videos on REP status, and listened to the BP & Short-Term Shop podcasts on the subject. 

In the end, they are a large part of what helped us to get to super host status twice on AirBnB, so I definitely want to keep them happy!

(Same status for my wife on job/retirement) Adding 8 years back on to the payoff date doesn’t feel right when my ultimate goal is income.

Credit score is fine, above 650 although there was 1 negative item- a debt collector creditor for a type collection account whose status is in collections.

Whatever the goal is just know that either you are going to go it alone and it will take longer to replace an income of SoCal status along with getting the amount of money to live on; and it is something that will take some time gaining the knowledge. 

It would be a calamity if bad things happen to the tax status of your retirement funds because you forgot which debit card you were using while on vacation.I think I'm probably going to open an IRA with LLC with Guidant, but I the decision isn't in stone.

Rates for non traditional financing is typically higher by 2-3% on average than traditional financing due to multiple risk factors; If we take Nationwide Average 30 Year Fixed as a benchmark (example 5.5%) then non traditional rates would be in 7%-8.5% range depending on MANY factors like (we call these rate adjustments):✅ Your credit profile: The better your credit score the better terms you would get, typically 760+ will get you the best pricing options ✅ LTV % - how much you are looking to put down & how much to borrow; higher down payment -> less risk -> better rate✅ Purpose - Purchase/refinance/cash-out; rates on cash out are typically higher✅ Type of Property (single, multi, condo, condotel, coop, mobile home, manufactured etc) anything other than single family represents higher risk -> rate gest adjusted for higher (every investor would have their own add on)✅ Location of the property - some programs might not be available in specific states; rates can vary per state as well✅ Fixed vs Adjustable vs Interest Only ✅ Prepayment penalty period - the shorter the period the higher the rate✅ Vesting in the name of LLC or personal name✅ Citizenship status ( US versus Non US such as ITIN/Foreign)✅ DSCR: Debt Service Coverage Ratio means that future rents cover mortgage payment; If Ratio (Future rent/mortgage payment) is >1 - you are covered, you are good, but what if rents do not cover DSCR <1?

Your profile mentions that you are an agent.If you have rentals, you may potentially be eligible to claim real estate professional status which may help your tax return status.best of luck.

We are looking into an STR investment but don't want to lose our First Time Home Buyer status for lower down payments in the future once we're ready to buy our own home.