I bought it as a primary residence but it’s sitting empty majority of the time as I work in New Mexico 95% of the time and get per diem to be here which more than covers my New Mexico living expenses.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

Vacancy is getting expensive on my other rentals so I figured they could manage their own turnovers.

I have no idea what the cost would be for some sort of them spraying stuff all over the place, but it might be a small expense compared to losing a valuable tenant.

It will be much harder and more expensive to finance anything over a 4 units and 5% down won’t be an option. 

Or that they are way more expensive than their competitors. 

I use Stessa to keep track of all expenses and comes handy for taxes.

i always tell folks to house hack even in an expensive market like LA. 

As I'm sure you know watch your expenses on this one closely to try to re-coop some of the unexpected costs associated with the furnace.

LLCs are expensive.