For example, when my oldest child went to college he had a full scholarship. 

Then when you are comfortable start replacing them with market rate tenants or get them to market rate over the 2 years.   

Find your own comfort level.

I know it may seem overwhelming but the more you learn the more comfortable you will become.

There are many reasons why I need to educate myself and get comfortable with it.

I learned enough there to get comfortable going out on my own.

People don't make as many babies as they used to, so those folks view the extra rooms as just extra stuff to clean, they aren't going to AirBnB the home to potential child molesters where their 3 year old and 1 year old live.

Real Estate usually beats the stock market once you factor in "leverage" which is exactly what you are doing by getting the property financed.That's a long-winded way of saying put as little down on the property as possible while still making sure it comfortably has positive cash-flow.Here are 2 scenarios assuming you can buy at $285K1. 20% down @ 4% interestDown payment = $57KNet Operating Income = $1620 per month (per the screen shot you posted)Debt Service = $1400 a month including taxes and insuranceCashflow = $220 per monthCash on Cash Return = 4.6%2. 10% down @ 4% interestDown payment = $28KNet Operating Income = $1620 per month (per the screen shot you posted)Debt Service = $1662 a month including taxes and insuranceCashflow = -$40 per monthCash on Cash Return = 0%After running these numbers the triplex doesn't really look like such a great investment to me.

I've done it but only when i'm trying to squeeze more money out of a third party while at the same time, being comfortable with it coming back to me as REO (That usually implies there is a senior lien/junior lien relationship of some sort).Some of it is art, some science, some smoke and mirror but its all in the effort to "true up" what you realistically expect to take as a loss when its all said and done, if you end up taking a loss.

Is it simply an issue of people not feeling comfortable with the liability limits provided by AirBnB?