This means I can’t bump up my purchasing power.

Im handy so we’ve fixed up the house quite a bit on the inside and outside.

I have every empathy for folks who are hurting especially from instances that are from outside of their control, but filing bankruptcy to get out of debt that she chose to sign up for and promise to pay for the sole purpose of getting ahead faster (her story, not mine) seems less than ethical and Bigger Pockets promoting it is questionable.

Arrange them based on the problem you are most likely to face first, then spend some time researching your laws, how others handle the issue, etc.

An up to 80% LTV heloc could be an option. 

I’ve heard your concerns, and BiggerPockets is stepping up to provide stronger support and more robust education to empower passive investors.That’s why we’re creating PassivePockets.This isn’t just another platform; it’s our commitment to bringing transparency, education, and a true community to the world of passive real estate investing.To make this a reality, we knew we needed more than just an idea—we needed a partner with deep expertise.

They all are just computers making guesses based on other rentals in the area and adjusting for things like more square feet.

It's just another grab for the city to make up lost taxes. 

.- Total start up costs (Down payment + closing costs, furnishing, getting started on Airbnb etc...) = 200k USD- Family member wants to put in 50k USD of the start up costs, but doesn't want to be on the hook for the mortgage. 

Very humble, hardworking, blue-collar family and they happen to grow up in a part of California that is highly desirable now.