I do all of this so as to avoid/not-having-to-comply-with the the provisions within the Dodd-Frank Act which require lenders to vet borrowers as to their ability to repay the loan. 

The reason being you are correct, many times the borrower is not qualified for the loan, so my response to that is why do I want to give a loan to a borrower who does not have the ability to repay.

HOAs can limit your ability to rent the unit too so you'd need to scrutinize the HOA bylaws to see if rentals are allowed or if there are any restrictions on rentals such as owners can only lease their unit for a max of 1 year etc..

It adds a personal touch and helps guests feel more at home.Things to Be Aware OfLocal Regulations: Check local short-term rental regulations, including permits, taxes, and any zoning laws that may affect your ability to rent the property.Cleaning and Maintenance: Short-term rentals require frequent cleaning and upkeep.

This could give the ability to have a better and higher appraised value along with selling it separately from the main structure (main SFR or SMF).

My $.02 is try a "rent to own" scenario where they pay market rent until they have the ability to save and actually buy the home from you.

Most HML are using a large LOC that dictates their underwriting criteria they dont have the ability to change that criteria lest they be out of compliance with their money source.. 

Or, don't have the ability to understand what's significant and what's not.

A bank will not go above 75% typically so you have no ability to borrower or maybe get out $20kIn this environment with high prices and rates - I personally don’t think it makes sense to borrower for a down payment as you are just over leveraging with multiple sources of loans.

Property managers can handle tenant screening, lease agreements, rent collection, and even routine maintenance with a network of reliable contractors, which could save you the headache of finding a trustworthy handyman remotely.That said, if you feel confident in your ability to manage these aspects remotely and have reliable contacts in place, you might be able to save money by doing it yourself.