Get out of your comfort zone.

There's a lot more compliance, regulations, and other protections that many brokers do not feel comfortable hiring just anyone. 

If I don't feel comfortable I also give folks a chance to get a cosigners.

What about tenants that don't have smart phones or  aren't comfortable using mobile apps? 

BAM is a conservative operator and understanding of our current economic environment. 

We comfortably could use the cash flow but could probably survive if reduced by half but only as long as have our tenant at the primary residence.

Get out of your comfort zone.

It was before my time, but my understanding is that triggering a DOSC was more common in the 80's during a similar rising interest rate environment like we find ourselves in now.  

This is, as you and others have agreed, because of the insane insurance environment in Louisiana post-Ida.

A primary residence will most often provide more favorable loan terms so if you are willing to wait one year while you living in your new property and are comfortable with renting out your primary residence to a tenant, then getting something such as an FHA loan is a good strategy to minimize your upfront costs and hopefully get better loan terms.