What is the best and most cost effective way to finish/cover the sad plywood?

Effective January 3rd 2022 they are not allowing STRs in R-1 zoned areas.

The expense is more up-front but is far more cost-effective in the long run.Regarding your specific question, unless they have an agreement with you there is no expressed or implied contractual obligation for you to hold the rent. 

I believe in my tenants are my clients so I want a direct line to them to ensure communication is great.

If you're preapproved, have clear criteria, and are honest and direct in your communication, it will work out for all parties.

This, in turn, makes each investment a little safer because it reduces the effect that experiencing a loss will have on your wallet. 

How do I make a system that uses the drivers effectively?

However, it does have the effect of reducing the passive loss balances you will be rolling forward by 10K. 

For those of you that are not familiar- digging a well can effectively eliminate your water bill.

I h=tend to have a lot of edge in my communications.