Not sure how many PMCs you've had bad experiences with, but we'll take exception to:"Then do a thorough research on tenant applicants (note: leaving this to a PM may be hazardous to your financial health)".BP seems to have more threads about screening mistakes by DIY landlords as opposed to PMCs.Now, if you'd have mentioned Maintenance, you'd get no argument from me:) Even the PMC industry acknowledges maintenance as one of the biggest challenges.Rereading my post, I kinda see how I sounded negative toward PMs.  

If you truly have cashflow to spare I would personally look at the 15 year.

All you will do is get your listings cancels and that business name will be banned along with the personal accounts of the new owners.

I personally had two encounters with Zach.

My name is Carolina “Cam” Campbell.

While some strategies may work here, those strategies might not suit you.I don't personally do MTR, STR, co-living, or other nuanced strategies.

Another idea to consider is the FHA 203K renovation mortgage, this is another excellent tool to use because of flexibility and other worthwhile features you might consider researching.

DSCR will help if you are tapped out of conventional loans and you don't qualify for a traditional loan based on your personal DTI.

I personally would recommend it but it isnt the best run 3 day. 

I suggest doing your own research for data and assumptions (like rent, vacancy, appreciation/depreciation, etc.) and not rely on AI.