The ONLY exception is that a landlord may charge two months' rent if the tenant qualifies for utility assistance, the lease requires the tenant to pay utilities directly to the landlord, and the tenant and landlord agree in writing.

If you are looking for proper guidance from someone that has house hacked quite a few times and has the knowledge and experience to help get you going in the right direction, I recommend reaching out to @Josh Green.

When I contacted MFM, they told me to direct my complaints to Prime as they operate independently of them.

I work for a direct lender and we provide financing in Indianapolis along with 35 other states so I can guide you through the nuances across various states.

These costs would eat into your profits.The case for sellingEven at $125/month, your cash flow is slim, and any unexpected expenses could turn this property into a liability rather than an asset.

First, the three (3) Private Letter Rulings will likely not be directly on point, so there will be some inherent risk in that you will not be able to follow the Private Letter Rulings exactly as they were issued.

Risks include market fluctuations, property damage, tenant issues, and unexpected expenses.

If not, paying off the STR could leave you vulnerable to unexpected expenses or downturns.

@Chris KittleI was not directing it to you but many vendors push elaborate schemes and use fear tactics to sell some of these strategies.  

If you need further help, DM me, and I’ll point you in the right direction!