I have a 2-person unit with a glass top dining table and it has worked well.

I do get nervous with finances and want to be financially responsible.

Sometimes the tenants are coming from shelters or other communal type of housing where maintaining a space my not be solely there responsibility so maintaining the unit may not be to your liking. 

I am still personally buying rentals but I am not expecting much in the way of cash flow at the moment.

Your response may turn off a number of guests who were thinking of booking.We've all had guests whose unrealistic expectations were not met and could never have been met.

Affordability for the average person is essential, in my opinion. 

I think they meet in person, but not sure it may be on zoom - they are not members of MAREI, so I don't have all the info - they do post their meeting on Meetup.And there are a lot of virtual meetings, plus MAREI events on our calendar. 

I was looking into unsecured personal loans but they only cover about 50-100k for 1 year duration.  

However, transferring your current home into an LLC may affect financing, as most traditional lenders require it to remain in your personal name for a home equity loan.

Personally, I invest in properties in C-Class neighborhoods in my market (East Linden and Southern Hilltop), and they’ve been cash-flowing well so far.