The key factor is ensuring the property qualifies for favorable tax treatment by adhering to IRS rules regarding short-term rentals and material participation.For the 7-day rule, the IRS requires that:The average guest stay must be seven days or less for the property to qualify as a short-term rental.If the average stay is 30 days or less, you must provide substantial services similar to what hotels offer, such as daily cleaning or concierge services.Regarding material participation, to further classify the income as non-passive, you must meet one of the following criteria:You spend more than 500 hours actively managing the rental in a year.You manage the business yourself and spend at least 100 hours, with your involvement exceeding that of any other person involved in the rental.Please note there are actually 7 ways to qualify, the above two are the most common.

It is important to have eyes on pricing daily in my opinion. 

I'm so much happier now, earning more income and tax benefits, don't need to be involved in the properties, and have reduced my liability with an added layer that puts more distance between me and the tenants.

One of your representative was trying to be a smart *** on the phone asked if it was 9000 and other fees were involve.

If you're house hacking, you could refinance into a conventional loan with as little as 5% down, assuming the property value and your financials qualify at that time.Make sure the terms allow for early refinancing, and keep an eye on interest rates to refinance when it’s advantageous.

I'm interested in being an exclusive buyer and getting involved in the process.

In public records was it ever assigned or were you ever notified of a transferOnce you find the lender I would reach out to them directlyI would also get an attorney involved in the state and potentially seek legal action and see if there are also trebled damages as well.Was the loan already paid off?

As long as there was no agent already involved and thus cutting them out, then should be good. 

Lastly, what is a very LOW CoC return in your eyes?

I wonder what would be involved with putting a walkway on that roof.