This allows me to work somewhat remotely in areas where land values are high.  

Assumptions: specifically allowed in city ordinances, mobile home manufacturing in the area, or that someone heavily marketed that area as a retirement location in the past. 

However if you try to charge $20 for each piece of tape or something else egregious I would expect a magistrate to consider that usurious and not allow it.

We have put together forms that allow us to scope out properties on a walk thru and be pretty close to the final cost. 

That would allow you to put down less knowing you have that income coming in.Otherwise, is it possible to consider moving somewhere more affordable so you can reach that financial freedom you want? 

New Jersey state law allows for owner occupants to have much more freedom. 

@Remisola Omodara per Texas law, you are only allowed one Homestead exemption at a time, so not sure how you had multiple ones filed.

First two properties I house hacked, allowing me to put down very little.

Credit for childcare expenses.The credit is allowed for kids 12 and under.

The guests have a credit card on file and your policy should allow you to charge for damages or excessive cleaning.