They have had a difficult year and are struggling to make their payments on time each month.

There will be moments when challenges feel insurmountable—deals that fall apart, difficult contractors, financial struggles—but the only way to succeed is to persevere.

For example, ski season weekdays that are stranded between two booked weekends are pretty difficult to sell. 

that is a perfectly fine strategy - it's just very difficult to do at a distance.as others have said, house hacking if done right shouldn't close off other strategies.hope this helps - trying to be realistic not discouraging.

Quote from @Nicolas Tow: I recently purchased a 3,125 square foot empty lot in the 27th ward area of Humboldt Park Chicago and I was wondering how difficult it is to re zone from RS-3 to RS3.5 or RT 4.

There are other, more ambitious, risky, and difficult, ways you could achieve the same end goal.

It merely means you will likely have a difficult time refinancing the property to a traditional lending source.

This can put a significant strain on your finances and cash flowThey also often require a large down payment themselves and may have a strict repayment schedule that can be difficult to meet, especially if there are unforeseen circumstances or delays in renting the property or generating income from itIn addition, relying on this type of loan may expose you to higher financial stress and the possibility of default if you are unable to meet your loan obligationsThe final decision depends on your overall financial situation, risk tolerance, and your ability to manage the associated costs and obligations

@Asher M.Possible, yes but like your lender pointed out it's going to be difficult to pass the self-sufficiency test (SST) for a legal 3-4 unit property.

The taxes can make things difficult, but there are some things you can do to minimize their impact.