The value of the property will impact this as well. 

Other factors to consider are what you plans are for the future (value add rehab, restructuring, selling the property soon, etc) and whether or not there are any events on your personal horizon that may impact your ability to refi later. 

That's kinda the whole things here, the politics intermingling and impacting real estate.

I noticed a stench of marijuana smoke on a shared back porch, and that they leave their property looking less ideal from the outside that will impact the outlook on my property with potential tenants.

If you become too friendly as neighbors that could impact your decision making as a manager of the property.

I've tried reporting these with the current way and it's not having any impact.

There's a domino effect that will impact costs in MANY other areas that you don't see right now, but they'll be there.

There are income tax impacts, and she might benefit from increasing the average stay to more than seven days.

So while I may enjoy knowing what investors can and can't do, I support cities telling more of my clients that they can't do STRs or at least limiting the impact of them.And you're right...for house-hackers, this opens up a lot of other properties to them.

Examples are as follows:5-4-3-2-1 (Stepdown in %)Flat 55555 (5% for all 5 years or 3 years (5-5-5)6 months of interest pmts on 80% of the loan balance (hybrid penalty)your PPP choice directly impacts your rate and DSCR so be sure to weigh out these factors altogether.