I suspect these hosts are buying off bad reviews.

However, by placing money in a property that I would like to have in order to increase my quality of life, that can also produce some cash flow instead of being a liability that requires money every month, I can increase my quality of life without increasing my monthly liabilities.  

A good thing happened to you and a bad thing happened to them.

What @Jay Hinrichs said - I always preach on here that it is far better to have your place sit empty than to have a bad, or even dubious tenant.

I just think basement access is generally a bad idea.

He prides himself on having "realistic" standards and claims to value inner qualities over appearance.

.: Quote from @Adam Michael Andrews: Too bad this guy deleted his account.

You’re risking other people’s money and you also need to get burned if it goes bad.  

I have seen too many partnerships go bad (almost all, just a matter when), that's why in 15 years I have never partnered.

You can do a duplex though, which might not be a bad idea.With your credit score, conventional might be a good choice, you only need 5% down for 2-4 units if you live in one.