So it really comes down to what is the best strategy for you.

Additionally, the borrower no longer has any income coming from the subject property during these proceedings.  

I put roughly 20% down on a $200k home, and am curious what steps I could take to possibly turn my original investment into a large portfolio within the next 10 years, when we're currently "low on liquid funds" after finishing up a wedding.... 

The tenant in common nature of the ownership would tell me that you would only be related to your mother in laws portion at the most. 

Undercharging could mean you end up paying out of pocket or getting a lower-quality clean, which isn’t worth the risk when reviews depend on it.

In addition to the interest of the loan, you'd also be paying this as well. 

Looks like they killed the legislation. 

I agree with the others.

Secondly, the only thing that really matters is how much winds up in your pocket AFTER the property is sold, fees are paid, mortgages are paid off and taxes are paid. 

I've been living in my current house hack for ~1.5, and I placed my tenants in September 2023 (lease is up at the end of August).