You're also LIVING there when you house hack, so you have to factor in what your "normal" comparable living costs would be. 

I’m not planning on making any asset changes until we’re through covid and back to more normal times.

I prefer platforms like Airbnb and VRBO  that we normally use during the busy months.

It is normally kept in a separate bank account in the state where the rental is located.6.

Often the best ones are the smaller community banks in your area, not the large coporate banks however they'll have options as well but its normally relationship based where you'll come in to the bank to meet them and they'll be looking over your financials, credit, investment experience, etc. however once you're in with one of them, it becomes much much easier to borrow with them in the future...

-- I know every location probably different but normally how long the process take?

We’d bring them back up to the house , skin em and sautee with butter and garlic..

It sounds like you are taking all the risk and they are doing what a normal property management company would do.

My normal DSCR lending partners said no.

I was thinking about normal residential investing.