780 or higher should get you the best rates/terms available, no difference than 820 score.

More importantly, get the high interest rate debt paid off first.

Then you can do a 1031 exchange or sell it at a lower tax rate. 

Based on your question and your expectations, stay in index funds.

I think there's going to be a serious thinning out of STRs because of the overall market and interest rates, and people just getting fed up with the platforms, unless one of the newer no/low fee platforms takes off. 

Here are some top-rated floor plan apps that meet your criteria and might work better for your needs:1.

As of this morning, WSJ Prime is 7.75%, so I would expect the rate to be over 8% at the very least.

I have part of a 401K loan to payback and money borrowed against my HELOC.2) Maintain a yearly savings rate above 55% for 2025.3) Purchase another rental before the end of 2025.

The headache of playing peacemaker between 3-5 unrelated tenants doesn't sound worth the premium management fee; not to mention rent by room generally brings in lower quality tenants which require significant more management.With that said, higher rates are pushing investors toward rent by room simply because it's the only option for cash flow (at least in Denver) which is why I have so many folks reaching out.If you currently have rent by room investments or perhaps you're a PM currently offering rent by room, I'd love to hear your feedback and any advice you may have. 

Two notes:1) The solar company may give you the best interest rate.2) If the power goes out, you still don’t have power if you have solar.