Again, I used my parents but this time only as lenders of part of the money for the down payment.

However, that was a fluke.Warranty companies are in the business of making money.

Do the cold calling yourself and that is where the true magic is as you can see with @Peter Tverdov success at doing it and getting a ton of money out of those conversations. 

Plus, that is the cheapest that money will ever be for you.  2.65% interest rate? 

I am responding as a consumer not a STR owner we had one its lasted for us for exactly one tenant then we felt it was too much work for the return  on investment we do much better loaning money and buidling new homes than to worry about people goofing up our homes :)I do have some MTR you know fully furnished homes in Vegas and those are money makers for us top of the line tneants paying double the going rate for rent.

Now having a trust to avoid probate, care for young children or folks not ready to inherit large sums of money yet are very good reasons to have trusts.

If we move forward with transferring the deed, we would like a way to guarantee to my father and my sister: a) some return from investments made with money taken out of the house, and b) equal shares in the house if we sell in the future, or a buyout path for either of them.3.

I didn't have much money, and not much experience but I used my background in finance to put together a syndication and buy an old office building and drive thru on .59 acres with the purpose of developing housing.My passion was creating housing in a city with under 2% vacancy and skyrocketing housing costs.

Or is the money better spent elevating the master experience overall? 

It's a great way to increase your net worth and these loans can also be used to pull cash out of a property as it appreciates allowing you to reinvest money into new deals.Happy to connect to discuss further.