<prompt> Human: Hi reddit,I graduated with a PhD in 2013, my 180k student loans are my only debt besides 500 in hospital bills and run to the tune of around 180K. I just landed a job making 90k per year. Yay, Im really happy that I was able to double my family income from 40k last year in basically my first year out of school. But, Im still in a butt hurt world of pain as you can imagine.We live in San Diego, CA so rent is still a major expense. Right now its 1,350 per month but we get most of that back airBnBing a spare room. The problem is, we are expecting our second child in April so that income will probably go away if we stay where we are. Also I work from home now, so I need a home office or co-working space.Right with our montly budget I expect to be paying 1.6k towards loans, which still seems like its going to take 10 years to pay off. Too long! I do side jobs, currently teaching university courses over the internet. My wife is a stay at home mom with our three year old. Obviously, I want to increase my take home income to pay off my loans. I bike everywhere, and my only plesures are 80 on beercoffee money.My credit currently stinks because I wasnt able to pay my student loans, even though we had a tight budget. I buried my head in the sand about the others and ended up focusing all my energy on paying down a private loan total left 22K that was about to default. I still have lots of forbearence left of the federal loans that I can use up, but the accounts are all late at the moment. I did some free lance work at the end of the year, and I expect to owe about 10k in taxes. However, I dont think that the money will be due until April, because I had no tax liability for 2013, so I qualify for the safe-harbor.AirBnB has been very profitable for us, and we were thinking about keeping our current rental and continuing to do it even after we move out. We could get a 5 Bdr rental and likely make a large amount of the rent we pay out of it doing airbnb.I know the wise thing is to probably hold on to most of the 10K for tax time. Its safe, but maybe things are going to get hard if we just wait for baby.Dumping 5k into getting the new 5br rental going now with airbnb seems like an option. I expect that we could make 2k easy on a place with 2.3k rent. I expect we could make 500 profit on the place we currently rent. I also have enough to cash in the bank now to bring a lot of my loans current and still have enough that Im sure we can save up the difference by April to pay the tax man. That at least repairs my credit and puts me on solid footing.Assistant: Have you checked if what youre doing with airBB is allowed on your lease? Many leases have clauses against having people stay over for an extended amount of time sometimes even as little as 2 days without those people being on the lease, ESPECIALLY when youre profitting from it. My landlord recently evicted a tenant for doing exactly this.Human: It never came up with the current place. We kept it quiet, but the landlord has always been nice and it was helping us greatly pay the rent. Now I can float the rent no problem and we are on a month to month lease, so its less of a question of survival. Better to ask for forgiveness than permission if it comes to that.The other place looks lucrative, but if shit goes tits up the added expense would break us Im sure. Looking like less and less of a good proposition. I know of a 1br place close by that I could probably go to the renter and be up front about the situation. Maybe we can sit tight, grow slowly, and move later.The wife wants to move because of neighbor noise and the neighbors letting their dog crap all in our backyard which hasnt gotten resolved after numerous complaints. So even if we do get evicted, it wont be the end of the world.  <response>: Most leases wont allow this, as technically your operating a business inside the home. None the less you are fully legally financially responsible for it as well. Using the whole house as a rental is a disaster waiting to happen. Your landlord has been kind and helpful as you stated in the past, dont take advantage of that. 