For the home renovation, do the same math, but with the difference in rental income.

Maybe it works differently for a commercial property, and that's why I am here looking for guidance.Really appreciate all the inputs!

You will meet people from different walks of life that will give you different perspectives on real estate investing.

Reason for doing so is that because they base the risk off of worst case scenario under the idea that they would have to take over the property if you were to foreclose, how much of a difference is your lease between the market rent?

Last Dec was no different, i send in the money for the license, fill out info and expect a reply shortly thereafter.

It seems like you've explored different options from HELOC/LOC to transferring deed..

The difference between CPAs and EAs is addressed  here (scroll down to my long comment on that old thread): https://www.biggerpockets.com/forums/51-tax-legal-issues-con...As to finding competent tax accountants, there are 20+ of us right here on this forum.

was purchased as a primary residence.

STR is very different from LTR in so many ways and if you are going to self manage, it is not an easy transition. 

We can stream off 3 TV's and browse the internet on the 12mb.So if you can get 100mb or so for significantly less, then I would do that.Now it will be different if you offer a working vacation options, then more would be better.