Purchasing subject to allows you to (1) buy a property and pay a lower rate (3-4%) that was in existence when the loan was originated, so cash flow will be better as well as equity buildup; (2) not have to qualify for the mortgage saving time, expense, and allowing property purchases in greater number than otherwise and (3) no personal liability on downside (4) no debt added to your PFS.  

We use the AppFolio system that allows for credit card payments, ACH, etc. 

You can bypass the longer seasoning requirement with a debt service loan. 

The banks thought I was a dead beat because of my debt to income ratio.  

The list comes out at least 30 days before the sale and the owners have opportunities to pay off the debt anytime in those 30 days. 

Quote from @Joshua Piche: Im looking to move out this year and house hack my first property I’m 24 debt free still living with my parents .

With your Fico and down payment, all you need to do is make sure you pass the debt to income requirements. 

Our only debts are a 2.875% mortgage with a balance of $124k only paying $897/month on an appraised value of $325k, daily driver car of $370/month, and use a credit card for monthly expenses, but pay the balance off with every pay check.

We give them EBT cards that are only good for food to buy groceries. 

The guests have a credit card on file and your policy should allow you to charge for damages or excessive cleaning.