Most mortgage companies will not call loan due if payments are current but you do run that risk and need to be prepared to payoff or refi at a moments notice.

So there is increased risk. 

I understand the risk it comes with if I have vacancies, but I do have a couples of months of mortgage saved to use in case I get stiffed.

Those can still return 4-5% on your money and is without really any upkeep or risk. 

I avoid cash as it is a safety risk to have large amounts on hand.

Some that may be higher returns but require more focus/effort from you and then some more hands strategies that can offset what you are doing but are lower risk, more steady returns. 

I am going to take the risk but will absolutely let the community know about my experience.

Additionally, Airbnb income during this period could generate steady cash flow, though market conditions and regulatory risks should be considered.

This is what I am encountering, in the current Mortgage Industry.If you think you will go FHA, Conventional, FHA 203k, etc. and then Quit Claim the property, to a LLC, or a Land Trust you run the risk of the lender discovering a Title Transfer occurred and activating the "Acceleration Clause" or "Due on Sale Clause" that requires the loan to be paid in full, within 'x' number of days.

The lower the score, the higher the risk and the more we charge for a deposit.