Operating Expenses includes taxes, vacancy, utilities, insurance, maintenance, and management fee.

i used Kevin Hoag, Farmers Insurance for my rentals in Cleveland.   

Life insurance might be another untapped source of liquidity to look into (if you have one in place).

You may have to do month-to-month leases.Regarding the basement, most cities really don't care if the homeowner chooses to live in the basement.

These loans are geared towards those with lower credit scores, allowing them to live rent-free and cover mortgage, insurance, taxes, and maintenance costs.

You can target low equity homeowners which are in foreclousure and will lose theitr house to the bank because they can't make the payment.

I waive escrow on all my mortgages and pay taxes/insurance with cc, put repairs on cc, etc.

Maybe paying off credit card debt or other debt on your report to reduce the minimum payments, increasing the downpayment, finding a house that doesnt require HOA or flood insurance (if applicable), etc.

Taxes and Insurance at 350 month.

If so, you will likely get caught when it goes up on Furnished Finder by someone, and you will also have insurance issues and potential town issues.