Depending on the results, I then decide to move forward with the property or look elsewhere.I hope this helps and good luck on your STR journey!

-  Context: "Girlfriend (23) of 3+ years is moving here in CLT- February 2025.

If they know they can't pay they move and it's over.

I bought my first duplex in 2022, lived in that for a year, and then a second duplex in 2023 to move into.

I strongly suspect your best move is to roll the TSP to a Traditional IRA and convert the IRA to a Roth, using non-retirement dollars to pay the income tax, even if you have to borrow the tax liability. 

If we move to PR and we sell the property after 2 yrs: 1- is the 2 out of 5 yr rule still apply to me in FL? 

So it’s not like a book on how to be a day trader (buy a stock when it hits 2% below it’s moving 7 day average).3.

You can still turn this around and move forward to something far better. 

The opposite way of this plan is to get to slow-grow neighborhoods and buy 3-5-8 SFH in cash or 50% hard money in areas like Macon, GA, or Savannah GA, and do BRRRR as well and diversify with 50% long-term rentals and 50% short-term rentals But really, the main idea is to make a smarter move with fewer movements along the way and get it safe as well. 

My first renter moves in next week, and I was thinking about creating an LLC for the same reasons mentioned by Wale.