@Brandon Sisco Agreed 85% is available but there are a few more requirements to get the extra 5%

My mom keeps hers at 68 due to health reasons so I figured give people an extra degree. 

If you have paid extra, or if it's interest only, or some other feature...you may have to do something different but amortization schedules are usually a good place to start.

However city is imposing a good amount ofimpact fees based on the bedroom count - which accounts to close to $40 k , which i cannot afford- Ibought the house for myself to reside and cannot afford to pay this.We verified with city prior to buying and theyconfirmed it is residential zoned , however never mentioned about any impactfees.It is residential zone - MLS shows it as 3 bedroom 2baths - it had a extra unit  in the back and also a inbuilt rolling bed on 1st floor for the main I am stuck here- they are asking to prove it was usedas a residential -ever - any guidance would be appreciated on this.

My experience is to spend some extra time and get granular with the data so it best fits your marketing needs.

My strategy is to house hack but not too sure on how  set my listings for the two extra bedrooms that I have.

Since your passive income currently covers your living expenses, there are a few extra layers you want to be sure you have someone with the analytical experience to guide you to the proper approach.

They have forums, help library (portal), 24/7 live chat, email and help desk.OwnerRez and Guesty had more things than what we were needing to actually use, so why pay extra for it?

It may sound nice to pay a 6% management fee but the extra fees can add up to be more than the other company that charges 10% with no additional fees.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!