So, with that what I hope is intellectually honest disclosure, I will respond point by point with my rationale, experience, and data ...First and foremost, I need to emphasize my point about home court advantage ... my personal belief and experience is that it is that despite passive investing folklore, REI, even buy and hold REI, is really more an active investment than a passive one, more like starting your own business than buying a S&P index fung.

If you screen well and emphasize you want long term clients but aren't afraid to cut them lose at any time, you will be fine. 

.- Your agent's marketing materials need to emphasize "Freshly/Professionally renovated - move in ready."

They know they have to do all our jobs well, large or small, or they lose all of our business.There is another renovation consideration, and I cannot emphasize the following enough.

I emphasize communication and cooperation over strict enforcement of penal lease clauses.

So far it's been resolved besides my financial loss which I hope to resolve by her submitting and E&O claim to her professional liability carrier.I'm not screaming - just wanting to emphasize to anyone else that they never back themselves in a corner - I was always afraid this could potentially happen - you can never 100% predict human nature no matter how hard you try. 

Here are some helpful ideas to think through.When House Hack Investors are concerned with current interest rates its usually for one of these reasons:They are overly focused on the short term expenses, risks, or one year returnsThey are under emphasizing the long term financial benefits and upside potentialThey are worried about being able to afford the paymentsThey are a product of education from 2018-2022 that overemphasized cashflow and quitting their job earlyWhat might happen in the near future (whether you buy or wait)?

However, from several years of experience, I haven't seen ET changing the info they have disseminated (my personal experience, I don't know about others), and they emphasized that 'you make One mistake, you can disqualify the whole IRA', etc.

The forgiveness seems to be an expensive bandaid that won’t prevent other young adults, that are only moments away from children, in the same position.we’ll emphasized @Scott Trench 

This can't be emphasized enough, IMHO.