The more I'm involved w/ larger investors who have been around the block, the more I understand why they're willing to take a lower return for less headache. 

I understand that part on my end.

Trying to understand Dodd Frank-Frank ("DF") but a little unclear... 

Stepping outside of my comfort zone but I understand the risks and I am not depending on that investment to perform.I think you should invest somewhere in your comfort zone, whatever that may be.

I understand about Saturdays. 

I'm sure you have heard about FHA loans, they are great for house hacking, and you can get a better understanding of your next steps by hearing their recommended options as well.

Maybe someone can help me understand

AKA Work-ready.I purchased the home with an FHA loan, and my original contractor (as required by FHA otherwise I wouldn't have used one) underbid the contract not understanding the inflexibility of such a loan.

I understand it has the possibility to change yearly but I didn’t expect it to almost double what the mortgage is on the property.

You're likely way ahead of the normal BPer in your W2 or source of income job to enter these markets, and I understand if you don't want to share.