Like a comedian who goes too deep in to the joke  

As long as you aren't too deep into the negatives, with the house hack you'd be living in a property at a very small initial investment (compared to 25%) down while having a reduced mortgage payment as you gain equity in the home, and in TX it'll be quite a bit more than most other states in the US.

I know this is pretty deep down the rabbit hole, but hopefully someone has a better idea than a separate excel sheet (although that might be the best answer?).  

To clarify, the Management Companies were changing....As a side note, I was too deep into this purchase when I found out it had an HOA.........suffice it to say I will not purchase an HOA property again.

Also, there are lenders that will quote really low rates that aren't possible in the current market and once you have paid for the appraisal and wasted a lot of your time, they will change the terms and up the rates because they figure you are in deep enough so you will go along with it. 

I have seen too many investors create a truly beautiful property but a much higher end product that is out of the market norms cutting deep into their profits.

And as I said in a previous post, you may have to go back multiple years to find new builds in the urban area and compare them to resales and see if you can estimate a value difference.There is no easy way to do this in that complex situation and many appraisers, IMO, are not skilled or educated enough to do that type of deep-dive analysis, and/or do not get paid enough (in the current appraisal climate) in order to take the proper time and use the proper tools to do what's required.

To effectively evaluate the financial implications of renting versus house hacking, we'll dive deep into the numbers and walk you through how we calculated them.

@JD MartinI think we'd need more info about the cleaning... it sounds like this was a "rent prep" cleaning from the primary conversion, and so maybe the PM felt the need to do some kind of deep clean?

I am trying to come up with a slew of options to present to my ex-partner that will enable me to keep the home while relieving her of her responsibility and ownership claim, that does not disturb the financial instrument until such time that we deem economic factors make a refi more appealing.