I feel like there's a lot more to consider, but it really depends on who you're renting to and how they're going to treat the house.

For an uneducated consumer or depending how strong their sales team is this is a very raw deal.

@Beth AndersonWhen considering house hacking a property, it is important to carefully evaluate its financial viability and make sure that you can comfortably manage the mortgage payments without depending solely on rental income.

This does not necessarily mean they will not sell, but if it is in BK it would need to be approved by the trustee, and depending on the type of BK they filed and the size of the unsecured creditors the trustee would only allow it to sell to the public to get the best price because - they have to make sure they get what they can for unsecured creditors AND the trustee is paid based on what is sells for, so they will want it to sell for more.

Keep in mind depending on where in Dauphin County you're talking, you could be dealing with Dauphin county housing authority (if outside Harrisburg city limits) or Harrisburg housing authority (if inside city limits). 

The best path forward depends on where the microbial growth occurred and why.

Depending on the loan amount, LTV, your FICO, length of PPP, etc I'd guess that you'd end up in the high 7s - low/mid 8s for a 3-unit property.

It also depends on how the lender is structuring your loan.

Depending on how clever the current tenants are, they could potentially drag it on for lot longer. 

You maybe be able to live for free or pretty close to it, depending on how extreme you get with it...AND make some decent cash when you sell as well...especially on the 5 year plan vs 3.