Unless you're connected with local investors (OOS) who use these banks you won't get answers until you call.

One sfh and one duplex. 

16 is probably 1 housekeeper a day, and part time for two days? 

I've never heard of anyone using NOI for valuation because you never know how a property was financed. 

Feel free to send me message and we can setup a time to connect! 

Rufo, so you are violating the HOA rules so I don't think they would cover anything if it is the fault of your guests.This will eventually catch up with you and could result in some big fines so maybe think of selling this or converting to a LTR instead.

My name is Stephen, and I'm going into my 1st real estate deal.

And there’s no catalytic economic drivers for those areas.Don’t do it unless you are doing it just for fun and pure speculation.  

Use your savings for the 20% down.

There is plenty of good turnkey properties on the MLS for sale that would cashflow using the 1% rule and you wont have to overpay for them on a "promise".