Cash flow is around $1k due to my low interest rate and MTR strategy. 

My question is: we have an unused HELOC for 150k but the rate is 10% (harsh).

-Should I put the property under an LLC (pay higher mortgage rate, but better protection against lawsuits) or keep under my name?

Also, if you list the property at the higher rate because you’re including SOME of the electric utilities (because you won’t be able to eliminate 100% of the bill.) you’re going to lose potential tenants that are filtering by rent and/or see similar properties for less, causing longer vacancies.

Hi Jared,For the best rates and terms, you'd want a FICO score of 720 and above.

There is no correlation between number of nights and "quality of guest".There is also a misnomer that "if my rates are too cheap, I'll attract trashy guests." 

The tax benefits are also great.Where interest earned from lending personal money is subject to ordinary income tax rates, interest earned in a traditional SD 401k retirement plan is tax-deferred or tax-free through a Roth SD 401k plan.

- upping your max # of guests somehow- "no cleaning fee" & upping the nightly rate accordingly CAN be a big driver of bookings in some markets- having your listing/pics done professionally (by someone who specializes in STRs)- a great outdoor area- if you wanna spend $, i'm seeing lots of people adding pickle ball courts & more stuff to do outside like that - having a car there that they can rent on turo for cheaper than the rental cars from the airport

15yr Fixed equity loan base rate could be as low as 10.25% at 100% loan to value, with a base APR as low as 10.25%.

That would cut into your expenses a good amount, add property taxes, insurance, property management, repairs, capex, and a small vacancy rate and you can see that number starts to go down rapidly.