I like the strategy of having a job with guaranteed income and taking advantage of owner occupied financing to purchase a house hack, staying connected with the REI community in the area, and scaling up from there.

Your name and credit would stay with the existing note, which you would keep paying on - ideally yourself with money you receive from the "buyer", because if they don't pay your credit is wrecked and your house is in foreclosure.If you search on here you'll see everyone and their brother looking to do Subto and it's a nightmare unless the buyer has the funds to pay the note off if/when the original lender figures out you don't occupy the property any more and are attempting to do what you want to do, since most loans are going to specify that performance.  

For my area, looking to stay under $180k but could adjust slightly.

I agree that efficiency is a huge part of that equation, and the more efficient the PMC, the more they can stay profitable with lower fee structures.  

As long as it stays optional to the tenant I don’t have a problem with it.

We actually stayed in one as an Airbnb. 

@Michael BaumEvery property we ever stayed at had a physical book so yes - it definitely suffices.

The Air Force brought me here, and I’ve stayed ever since—I’ve really come to love it here!

So that has been my "next action step" to wait for a clog to happen again and have him camera it, but it has now been almost 1.5 years with no incidents.TLDR: There is a chance that the bottom bathroom tub/toilet could fill with sewage during a guest stay, but I am hopeful that the next time it happens will be the last.

Also, take time to understand Arizona landlord-tenant laws to stay compliant and protect your investment.