Even if you don't, you can do it anyway, but it's going to be pretty hard for them to prove it is your fridge without it if and when they do find her.Their biggest problem and yours will be locating her.

You never want to invest in something with negative cash flow and, even if your vacancy and insurance numbers are high, as some have indicated, I think the biggest thing eating into your ROI is your P/I. 

My biggest issue with TK is that it never made sense to me.

You need to find their biggest pain point.  

The lady is now able to come to Portland and write off her trip to check on her rental property.The biggest thing to remember is that STRs are not cash machines.

It seems that city ordinance is one of the biggest hurdles to start an Airbnb.

Go to HML for deals the banks wont dofor instance with my Banker I have been with him for 25 years now.. we started out with a simple 100k LOC to buy Timber in Oregon after about 12 to 14 years I was the biggest borrower at the small bank LOL.. not sure if that was a good thing..

Part of our bathroom rehab included cutting into the closet in a second bedroom, moving the sink and vanity, and installing a door between the biggest bedroom and the bathroom.  

I could recommend beach areas in Chiriqui Panama, cheaper than Bocas del Toro for sure...or maybe in the highlands, there is a lot of renting going on...more houses than condos...we work with rentals as well and its hard to find good properties available for rent..right now I can tell you the biggest demand for renting condos is in the city, where you can still find good places for 70 up and the rent can easily pay your mortgage, as I have done myself..

The biggest losers are going to be B/C retail and some hotels.