My hourly rate is very low, and I make most of my income from over time.

Consider factors such as the purchase price, condition of the property, rental income potential, expenses, and potential return on investment.

Additionally, hundreds of businesses, including global leaders like Google, Amazon, Apple, Facebook, IBM, Microsoft, and Uber, are in Pittsburgh and draw thousands of professionals to the city annually.

I will take rental income vs making 20k on a deal any day. 

This is helpful, I've defintely been respectful, I've been helping her out with a lot of the tasks that are part of cleaning out the house and supporting her with additional information via Google as she is in her 70's.

In addition to what others have said.I think the temporary buydowns make the most sense right now. 2/1 buydown was already mentioned, there's also the 3/2/1 and just the 1 as (rarely used options).I think the big advantage right now is the furniture and remodel budget.

Additionally, does the job confer any “knowledge benefits”?

Hard Rock takes almost half the income (acting as property manager) and we do get 28 free days a year (hardly used).

There are some construction loans that will fund up to 90% of the build costs with qualifying income but again my debt is just so high because of these other mortgage payments on my credit.Somebody help give me the answer I'm looking for so I can create this unique stay!

They provide passive income if you invest at least $25K with them and they use it to buy, hold, and sell airBnb-able properties.