Agreed, looks like the 2 properties I've got accepted offers on would be in the $50-75 range each, really not a huge deal and if they keep cleaning up the city I think its well worth it.

You need to flip regularly, using the seed money over and over, and spending the profits (only) on your cash flow properties.As much as it might seem crazy, I would sell your CF properties for the profit and keep flipping until you can buy rentals with your profits. 

I do not think I would have purchased my first rental, let alone expanded to five, if it wasn't for expanding my knowledge regularly utilizing bigger pockets. 

Arguments for a 30 year loan: (1) You lock in your fixed payment in "2018 dollars" for the next three decades, when that $700 will be worth a lot less (Jason Hartman calls it "inflation-induced debt destruction")(2)  Since your payments are lower, you have increased cash flow that can be used to deploy capital into new projects(3)  If unexpected expenses arise (personal or business), you have an immediate source of regular cash flowArguments for a 15 year loan:(1) increased equity over a shorter time horizon(2) cheaper interest rate(3) owning property "free and clear" still in your prime years and the lifting of psychological burden of debtIt really depends on your personal strategy and where you want to place your risk. 

I also like to pass on utilities to the tenants so the only expense that might grow would be insurance.Alternatively, I'm considering doing short term rental on two of the units and renting out one of the units to a family member who would help me turn over the two other units between bookings (they will keep the cleaning fee).

We paid a cleaning fee - for professional maid service after we left.

Do regular banks and credit unions do 85-90% non-owner occupied loans often?

The disadvantage is that you can't clean the outside of the upper pane very easily unless you are on a ladder.

It varies by HOA but most that I have been involved with do not allow anyone but Board Members to attend regular meetings.

@Ned Carey with an engineering co-op it’s not consistent income because it’s non continuous rotation until I graduate and once I graduate then I’ll be a regular full time employee.