I know a vacancy is tough and it can be hard to find tenants in the winter, but you have to weight the costs and benefits and decide.If it's harder to find renters in the winter, try offering a month-to-month lease just to get through the winter, then move back to a one-year lease in the spring.

Don't expect the best DSCR rates for this property use as your pricing will get adjusted for this type of use.Commercial financing is also available for such uses, but can be more difficult in terms of cost and qualifying. 

I've had it to where section 8 was delayed on that rent change even with the proper 60 day timeline and they back paid the rent to me based on the adjustment.

-House hacking would be a major benefit.

One of the benefits here is that you can save a bit on closing costs but the PPP (pre-payment penalty) structure may be more aggressive, ultimately inhibiting your ability to sell off if needed - since the loan would need to sustain a minimum debt service.

Sometimes the best plans are the ones we adjust along the way.If you're ever in the Phoenix, Chicago or Austin area, I've got some connections with knowledgeable brokers and other investors who've been through the dust and come out on top.

It will familiarize you with the basic terminology and benefits.

By doing so it will encourage them and that will benefit you and them. 

I believe if I can’t qualify it’s still a benefit for me to be able to save more money and better prepare myself! 

Have you adjusted your listing on AirBnB, Vrbo, and furnishedfinder for your off-season target demographic?