Commercial requires the property to be livable (not subject to), usually a 95% to 100% occupancy ratio, DSCR (rents) at 1.25% or higher, PFS, Strong assets, 12-18 months reserves, Fico above 700, I have seen lower but rate will be higher and in most cases cause the DSCR ratio to be under 1.25%.If you own a primary you might be able to use an SBA type program but those are not great.

Remember You have no control over the owner downstairs and I would report it to the association that it’s undetermined on the cause needs to be determined.

Since this correlates with mortgage rates; this should also cause mortgage rates to drop in turn. 

Advertising more guests might be more harmful to your bottom line than you think.

Or he tries to get me to his save Hawaii cause.  

And if the tenant doesn't know that NNNs can vary widely, and therefore not budgeting for a big reconciliation bill (if something happened that caused you to under escrow), then they may not be able to pay anyways.

But surely you can evict if they cause a lot of damage or don’t pay their rent, right? 

The guy who buys from me (Where I get $350 after 5 trips to inspect, all sorts of paperwork and hassle cause it's a HUD) and then sells and I get a commission (My regulars don't pay 3% list either).

One last thing that I forgot to mention, which I'm afraid will come to bite me in the *** and cause an audit is that when I sold the home, the closing agent had me sign something that clearly pertained to the qualifications of Section 121 (owned and resided for more than 2 of the past 5 years prior to sale), which I checked all the appropriate boxes that qualified me.... yet there was ONE box, that likely used the phrase, "Did you use any PORTION of the property for business or rental usage during the past 5 years?" 

Unfortunately, there are a few bad eggs who take extreme advantage of people which inevitably causes these issues.