The least states:"Tenant shall pay a "late charge" not in excess of five (5%) percent of the amount in arrears for each month the arrears remain unpaid if any Rent is paid more than ten (10) days after the due date thereof, to cover the extra expense involved in handling delinquent payments.

Living in one unit and renting out the others could offset a significant portion of your mortgage, giving you extra breathing room as the sole income earner.

I’d plan for extra amenities like special decor or concierge services. 

Typically this means they will take longer to close, may not have all the information for the companies they work with, and most hard money brokers get their money by taking an existing product and adding extra points to pay their fee.What is your investor success rate?

It would also have to be put up and taken down between each tenant and I don't know how responsive your PM will be to this extra work. 

Seems a bit high on the exp ratio near 43% but we do pay a premium for our solid cleaning lady, she also stocks supplies, runs errands and other duties for no "extra" charge.

After adding an extra bedroom and bathroom and rehabbing the house, I was well over budget.

They don’t charge anything for these extra accounts, my tenants pay directly into those accounts.

They had been paying those extra taxes for ~10 years since the last tax reassessment.

The extra cost to do two separate loans will be worth it, especially if you do not want to be stuck with the loan for a long time.