Or does this happen so often and they really dont care?

I've already found this community and the podcasts to be extremely valuable. 

The mortgage broker or lender is generally going to use your middle mortgage credit FICO score which most people don't have access to unless they have already have had your credit run by a mortgage professional.

Doing the house hack + brrrr strategy using these loans is absolutely the best way to do this.

How did you finance this deal?

My spouse and I purchased a cabin in November 2023 as a STR and started renting it out in March of this year. 

When you work this as a business, many.

There’s part of the answer.Anyone else experience this same increase in costs?

This form, completed by both you and the tenant, requests HUD’s approval of the tenancy and triggers the inspection process.

I've been researching this quite a bit and am looking into acquiring an STR that I would actively manage and would keep average stay at 7 days or less.