If you are doing multiple renters to one shared roof, then do yourself, your investing dreams, and your renters a MASSIVE FAVOR by learning & implementing coliving property management. 

This is a big legal issue that may weigh in favor of the investor.

Mortgage lending is highly competitive, and there are many newbie loan officers that will bend over backwards to get you to pull a credit report and pay for an appraisal.

We can’t profitably turn it into a LTR, or easily anything else.Desirability - well two favors balance out.

Portfolio = Income derived from financial instruments like dividends (including REITs), interest, royalties, and capital gains.Mostly income w/out loss potential, and favorable tax rates.Cap losses may offset cap gains w up to $3,000 loss.

I usually work with my local credit union where I have developed a relationship over the years.

Real estate investors do not get lines of credit from a bank.

I have a few commercial loans that don't report to my personal credit. 

I also see a lot of good deals on 2-4 unit investment rentals priced in favor of the investor.All of these seem to have a good price to cash flow ratio when it comes to even long term rentals.

Demand for February/March move-ins should see a notable uptick sometime in January, but you'll for sure see your strongest rental demand in late spring/summer.Your most recent post mentioned that you were going to look for someone for a 6-month lease - I think this is a great way to approach it to minimize vacancy loss while biding your time until we get into the higher demand summer months.Getting creative with your lease term and credits/concessions could also be a good way to solve a few potential problems in one shot.