You have to put more money down and pay a higher interest rate and is limited to only 2% IPC.

Potentially lower down needed of 15% with better rate and 6% cap in IPC’s

The strategy I'm following for my first house hack is to acquire a multifamily property (duplex, triplex, quadplex) or SFH w/ an ADU (or potential for an ADU) as I am mainly looking to simultaneously acquire my first property and subsidize my mortgage payment.

Hmmm, no definition of what "mortgage fraud" is.

The resident is great and the rent rate reflects that. 

The mortgage would be $5,200 so I would cover the other $3,200.

However, some amenities consistently deliver high value because they attract more bookings, increase nightly rates, or result in better guest reviews.

Currently we are seeing STR owners posting for sale due to reduction in prices they can get per night and the vacancy rate increasing. 

They should do a cash out refinance or a HELOC when rates go down to tap the equity. 

In this case, your monthly payment with 20% down will have a good MARKET rate if your DTI works with a much lower month payment and no mortgage insurance(MI).