They just cost me a deal, and they are extremely unprofessional and unorganized, I'm not sure. how they are in business.

now if you could get a seller to be the bank I get that you could smoke and mirror those deals.. but i would think those would be picked over low value or properties in the worst areas of town etc..   

Well, we are getting into the cold months and without going into too much detail, it's become extremely scary to talk with them and try and amicably handle requests.

When they do HML on OO, they want very low risk.  

I also own 4 STR properties that do extremely well.

I just did my first town and the units available per headcount seems really low.

The problem is: A traditionally financed low-down payment house-hack with traditional long-term rents simply won't cash flow during occupancy, or after, in many MCOL-HCOL markets in the US. 95% leverage at even 5.7% just won't work in a lot of cases right now.

I found your guide to columbus ohio which i found extremely helpful.  

City-Data and Census.gov are solid resources, and sites like Rentometer can give you a good sense of rental prices.After that, I narrow it down to neighborhoods with strong fundamentals—good schools, low crime, and convenient amenities.

There are some things that are extremely useful.