In addition to looking at the condo association CC&R's, I would ask for any updated amendments and look at the governing jurisdictions for other related STR guidelines. 

I believe with the massive amounts of national debt, the government is most likely to debase the dollar and inflate away the debts. 

As loans come due on other office properties in the L.A. metro, additional landlords will likely default.Most future office sales will likely garner a discount in pricing to what was likely possible before early 2020.

Plus LA has additional restrictions with short term rentals, making it difficult for most to make it work. 

In addition, you have the support and encouragement from the Wicked Smart community - great people with various experience pursuing common goals together.

Note living there you gain by appreciation and save on rent that due to historically high rent growth the savings from not paying rent increases with time.OOS RE investing has additional risks that in this market provides minimal cash flow.  

with my income of 100,000, a score of 720-730 and no debt (other than a car loan of 30k) , what could i even qualify for using the new 5% conventional loan (upstate New York)

Now would it be better to A) use the cash in the bank so that way you can avoid additional loan fees/interest. 

Aracely, As the others have said as long as the numbers work then you should be good to go, however, because it is your own house I would try to keep the debt down.

This project is not just a business endeavor for me; it's a way to contribute positively to the environment and the local community.In addition to this, I have made significant investments in Puerto Rico, a region I believe holds great potential for growth and development.