I have the ability to put 25% down or more to increase cash flow.

I don't have a lot of experience, but I do have the ability to exchange my time, so that could be a form a currency that benefits them. 

Fees can be sneaky—markups on maintenance, random charges for inspections, lease renewals, etc.

We charge a transparent monthly fee for this and our digital property management platform - but we are not a local property manager.We also give owners the ability to use a repair triage service and our vendor network, or address repairs with their own handyman.Our goal is to make renting better for owners and residents.

This would be an owner-occupied property, so you will need to show the ability to repay.

You have the ability to sell while limiting your capital gains tax because you lived in 2 of the last 5 years. 

The Yale Law Journal article, "Zoned Out: How Zoning Law Undermines Family Law’s Functional Turn," highlights this issue, noting that while family law has evolved to recognize diverse family structures, zoning laws have lagged behind, potentially hindering innovative housing solutions like co-living.Challenges for Co-Living InvestorsFor real estate investors interested in co-living, these restrictive definitions can lead to:Legal Barriers: Difficulty obtaining permits or approvals for co-living spaces due to non-compliance with traditional family definitions in zoning codes.Operational Challenges: Potential fines or legal disputes arising from housing arrangements that don't conform to local zoning definitions of a household.Market Limitations: Reduced ability to meet the growing demand for affordable, shared housing solutions.Advocacy for ReformThe Bloomberg article, "Why Are Zoning Laws Defining What Constitutes a Family?"

Does anyone know of a service where an STR co-host fields any call from the guest 24/7 and charges a flat monthly fee instead of 15% to 20% of my rent?  

Your ability to qualify depends on income, credit, and lender requirements, but leveraging your equity makes your request more feasible.

If so are they charging rent for those?