My 2 cents would be that since it is your personal property that your CPA is right but im far from a tax professional!

For my own personal goal reasons, I am going to still with searching for a lender who will be open to it.

I have used some of his tips, but I have not used his paid services so I can't personally recommend him, but his advice so far seems practical. 

Determining whether the venture falls under a service or rental business hinges on the provision of substantial services; for instance, if a bed and breakfast service is offered, it must be reported on Schedule C, triggering a 15.3% self-employment tax.Moreover, personal use plays a crucial role in the classification of the property.

Sometimes people who are comfortable managing the details of a job will hire a less skilled person to do it knowing they can get a MUCH better price and a "decent" job IF they themselves stay on top of how the work is being done.

I am looking to change my life and the lives of those around me by investing in Real Estate.I am most interested in long-term Rental Properties, moving into short-term like air bnb and flipping.

Here are a few I recommend: "Rich Dad, Poor Dad" by Roberto Kiyosaki; "Set for Life" by Scott Trench; "The Unofficial Guide to Real Estate Investing" by Spencer; "The BiggerPockets Ultimate Beginners Guide" found here on BP; "The Book on Rental Property Investing" by Brandon Tuner.

Goal of 6 properties in total (including personal home)2016The plan: Ramp up my purchasing schedule - having built more resources, developed a level of comfort and understanding of the processes of deal finding, purchasing strategies, and other aspects of buy and hold investing.

Either A) you need to want a ski Airbnb/VRBO for the personal use of it but not the investment aspect of it or B) you need to be okay with some of the areas within 45 minutes of the ski areas that are totally open to short-term rentals and where the numbers are better.

Me personally, I would save up a little bit more to at least 30K.