Quote from @Timothy Taylor: I'm working on a cashout refinance with Aloha/Swell of a 4 unit property and started the process 2 weeks ago. 

Personally, I would not keep a rental at an expected deficit, and I would not want a rental without a safety net to be able to cover six months of disasters. 

You couldn't wash more than a handful of things at a time and never dry enough.  

Quote from @James Huff: Hello,  I was just told that I cannot owner occupy a duplex because I bought a home in Oct 2024.

I certainly do not think it will add to your ADR or occupancy.Could always just put a mirror on the ceiling haha A lighted ceiling mirror!

Yes they are a nice bonus, but you could find yourself on the end of a lawsuit due to a guest getting injured or even killed.

It’s inconceivable to me how someone with a RE broker license, a CCIM, and a plethora of Series Securities Registrations can think that the property tax valuation would be reassessed at a LOWER value after knowing that the subject property and neighbor properties were being sold for record prices with each recent sale.

Any other options you guys may suggest if you've been in a similar situation I'd love to hear it ?  

Do your own comps and due diligence(as any other deal).They produce a lot of deals but I rarely see any that make sense.

To offset costs, I’m planning to buy a duplex and pursue a house-hacking strategy:1.Rent out one unit as a long-term rental.2.Live in the other unit and rent out the bedrooms as short-term rentals (STRs) through a furnished rental approach.Before diving in, I have a couple of questions:1.Can I use a property for both short-term and long-term rentals?