What surprised me is that USAA covered all of those houses.  

I hope it didn't come across as I'm promoting fraud.. yes it have.

Rufo, so you are violating the HOA rules so I don't think they would cover anything if it is the fault of your guests.This will eventually catch up with you and could result in some big fines so maybe think of selling this or converting to a LTR instead.

We recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

Multi-family for me has been the way to go and has left me assurance that even during vacancy, I will be covering most of my mortgage. 

I'm trying to get a mortgage, but it's entirely possible that the mortgage might not cover 100% of the price of the house.

My friend and her husband disagreed and let the buyers know and that it was still covered by warranty.

Part or all of the rent is covered by the US gov't (take that as you will).

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

I've seen banks be very competitive with blanket loans that cover multiple properties and/or multi-family properties, e.g. 5+ units.Mortgage Brokers (obviously I'm biased) - Brokers have the ability to work with all of the above and can get you to the best lender for your scenario right away instead of having you waste your time with the wrong type of lender.