Understandably so.

I buy my STR's for fun so that I have cool places I want to go to for my family that pay for themselves and make some money.

So far, I haven't had any issues renting my unit.

So, assuming I hire a good property manager, how much more work would I personally need to do?

Building on what's been said so far, STR is hard in Philly, and hard in general right now with the market and platform fees, etc.You owning the property and living in one of the units gives you both more flexibility and more oversight over the other 2 units to experiment.Assuming you've gone through the regulatory hurdles, you should rent one as a long-term rental. 

Credit pulls for the same type of loan within a short window (usually 14-45 days) are treated as one inquiry, so your score should be fine.

Its how come I am so entrenched in funding in the mid west till this day.. 

So, dscr would be your best bet, but it can be dicey as most dscr lenders want a minimum value per door, in your case it would be $60k.

I’d even consider finishing the basement, just well enough for me to live down there, so I could rent out ALL the units.I’d save all my cash and look to refi the property in 1-2 years out of the FHA mortgage, so I could use it again if necessary.

(For the prior months, I charged daily late fees) I just wanted her to pay the rent price these last two months and be out so I could start looking for a new tenant.I have been screening tenants for about a month now, and I'm increasing the rent by $75.