Or should I opt for a traditional loan with 20% down?

Save your license fees, MLS fees, education fees, E&O fees, and all the other fees you have to pay and just be a much better educated consumer than the average Joe. 

Complex buying behaviour is encountered particularly when consumers are buying an expensive product.

I've opted to honor the previous lease and let them pay the same way. 

The PM fees consume much of the expenses.We do not self manage an STR. 

If a lender won't disclose their fees early, I assume they're just trying to string me along and then drop a big fee (and then try to scare me that I can't close on time without them).We're definitely moving away from an environment where consumers are ok with lenders hiding fees and limiting folks ability to shop around.

Thank you for your thoughts.CharleyEnvironmental liability, wrongful foreclosure, usurious interest, violation of any CFPB statute or Frank Dodd violation for consumer mortgage notes, and the liability attached to real property ownership if the property is transferred by foreclosure, deed in lieu, etc. 

Then you have to find a replacement that might be worse (or better maybe) very time consuming.

They are expensive, time consuming and inefficient.

BLUF: it's okay to use USAA if you are going to house hack as a method of scaling your real estate investment business...I would recommend finding a lender that understands your need beyond the normal consumer level services.