We buy seller financed notes routinely and would be happy to evaluate what you have.

The odors are not always easy to eliminate within the normal apartment turnover routine.

It's one thing to fill the vacancy, but it is another thing to get a quality who is committed to staying at your property by paying on time and not put you in any uncomfortable position.  

It is all about a comfort level for everyone involved and it is usually uncomfortable until a couple months of a couple deals of working together.

Granted, house hacking isn't as destructive as a live-in flip-- it's on the spectrum of uncomfortably while having a family.While Gregory may claim it's awesome, I highly doubt it.

My biggest piece of advice is to learn to "get comfortable being uncomfortable"!

If it's tight or you're uncomfortable with the tenant you have in there from a confidence perspective, especially if this is a first deal, maybe meet in the middle and get a lender at 75% or 77% (doesn't HAVE to be at 5% increments) that wont make you season, and leave a bit more money in the deal, but sleep better.Overall, if I cash flow well, have/keep reserves, and am comfortable I fixed everything in the house, I like to max out the LTV on refi.

I was also in the military and not a stranger to all kinds of uncomfortable situations, diverse backgrounds of people and how to deal with difficult people in general.

Although I am outside of my comfort zone and feel like an absolute tool (I'm lost and that's uncomfortable), my faith, drive, and want to achieve my family and life goals continues to motivate me to get outside of my comfort zone and push for continuous improvement.  

.$8kish / year or so on routine and reactive maintenance combined which should include your cleanings, lawn care, maintenance calls ect. 12% per month of gross rents should be a good estimate if you want to look at it like that!