rehabbed the trashed studio into a 1 bedroom, made repairs to broken exterior staircases, coin operated laundry room, and fixing up the garage for extra income.

If you keep your day job or can start earning conventional real estate commission income and do the work yourself on nights and weekends, this is a great opportunity to build for the future. 

Replacement cost is going to me more expensive but is worth the extra expense. 

My initial thought was to seek out RE sales associates and try to entice them to partner up (offering them bigger commission than they're currently earning).Was just looking for some ideas and advice.Thank you all in advance!

Let's say your wife takes on the debt and goes on to earn a $75,000 median salary that after taxes nets generously to $60,000 (80%).  

1) Be forced to start investing in small deals that will earn me negligible monthly cashflow to gain "experience" in the eyes of commercial lenders2) Continue to sack away capital year after year until I have cash reserves that will allow me to obtain a commercial loanI have heard some people say that they found co-signers on the loan who have high net worth but the last thing I want to do is approach family or friends with this when so many of them are also young professionals with little net worth or are highly leveraged and busy business owners. 

Refinance debt or earn more money and cut spending.

In my guests reviews, they have mentioned this time and again and I think its worth the extra $10/stay.  

Under pro you have literally unlimited earning potential and an almost limitless number of ways to do your business.Under cons you have no safety net. 

If I use the HSA money for non-medical services, it is taxed as if it came from a Traditional IRA (at the earned income rate).Because most of us are going to need some type of long-term care in our final years and LTC is not covered by Medicare, people have to deal with it on their own (which currently costs in the $100K a year range).