You could also ask other nearby HOAs who they use.

Live under your means and start thinking about investing in Real Estate.In your position the thought of finding a duplex to house hack, live in one side and rent the other. 

If local options aren't a fit, expand your search to other markets with strong rental demand.

I’m eager to learn from those with experience and willing to put in the work to gain hands-on knowledge.I’d love to connect with others in the community—whether you’re seasoned investors or fellow beginners like me.Looking forward to any advice or insights you can share.Best regards,

Tax deductions / write-offs should be a second concern.There are some rules that you need to follow to treat a short-term rental as 'active'(non passive) income which would allow you to offset it against other forms of income such as rental income / wages.

Dave Ramsey has a good saying about how Thanksgiving Dinner is different when you owe money to the other person at the table.

Along with a kiddy-pool sized litterbox in one corner of a room, cat urine and feces in the OTHER corner of the room on the carpet (newly installed by the seller when I bought), and a smell that made my eyes water walking in the front door.The lease has a clause for Tenant-Caused Damages resulting from tenant negligence.

Once you build it correctly, you can offer it to other investors as a service.

Other than that it's a pretty clean package. 200k down, 720+, 60> ltv owner occupied.  

So, this really is a large portion of the tenant population whether its issues like this or others.