The STR owners have banded together and are meeting with the town as a group, and it looks like the town will adopt some STR rules allowing and setting guidelines for STRs. 

Just like the asking price, just because the owner suggests one interest rate or term doesn't mean you can't offer something different. 

Mixed-use with some residential could also add diversification while keeping it simple.What’s the tenant mix like, and how are you structuring financing?

Read a book, or even a blog like this one:  Application Screening GuideIf the landlord had called the previous landlord (me) they would have immediately denied her."

However, I’d like to have a space of my own before living with others again (I plan to house hack again with my next property).I’m seeking advice on how to move forward, as I need to consider things like utilities, taxes, landlord/umbrella insurance, and managing the property, especially with someone renting my garage.Specifically, I’m curious about renting out individual rooms and living on my own for a little while.

Would like to be more hands off as well.

@Paul Lucenti Sounds like an amazing deal man!

Investors will likely explore creative financing options such as seller financing, joint ventures with private lenders, and bridge loans for short-term capital needs.ConclusionThe potential privatization of Fannie Mae and Freddie Mac is a significant development that could reshape mortgage financing in the U.S.

@John Lasher I considered it education, like a certification or minor degree.

What are regulations like ?