I really don't have the $23k down payment I'd need for a DSCR, and Texas wont let me HELOC the equity out of my other rentals. 

or, only after you've paid yourself back for your down payment?

If my spouse wasn’t opposed to moving I would try to buy a new house hack every 12-15 months and use low down payment owner occupied loans for as long as it made sense.

@Tonya EnglishWithout a clear understanding of what this company does (or more accurately, does not do), the payment seems excessive compared to other services in the market."

Since they needed renovations, he invested roughly $30,000 per property to make them rent-ready—bringing his total investment to $110,000 per unit.Once rented, he quickly encountered issues: non-payment, eviction filings, constant repairs, and tenant-related damages.

@Isaac Hanai make sure you FULLY understand the negatives of S8 programs, not just the mirage of consistent government rent payments.

You have to weigh the benefit of the insurance claim payment versus potentially having your carrier cancel you and perhaps get black-balled by the insurance industry.

Rentals also build equity through tenant payments and appreciation, with profits taxed at lower long-term capital gains rates when sold.

Most mortgage companies will not call loan due if payments are current but you do run that risk and need to be prepared to payoff or refi at a moments notice.

They have decent rental markets, and there are options where you could get in with a 20% down payment.