I wouldn't touch Alabama 

After moving out, we re-stained the front porch posts with a darker stain (photo is pre-stain), replaced the front door, did touch-up painting on walls and trim, installed new keyed-alike locks on front/back door, and installed a vented bathroom exhaust fan that wasn't there prior. 

Also, I will touch base with my current home owners insurance co but I'm curious about the scenario you laid out (requiring renter's insurance + advising home owner insurance that you have another person in the dwelling) -- did this suffice for you because you chose higher liability coverage?

Hope to stay in touch with you to learn more about how to make sure I get the right deal!

I know for DSCR financing, most lenders either can't touch properties that appraise as rural, or can do so only at conservative leverage (65% LTV and below). 

We got in touch with them and Gabrielle Gratz was out contact person. 

Happy to put you in touch.

I would try to not touch your current home equity and save up a down payment to house hack again. 

Does it really exist since one cant touch them anymore? 

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