If the HOA has adequate reserves and cover exterior capex you could reduce it.

I was so motivated to get my first house hack, and 2nd 4-unit property (1st one was 25% down conventional)I'm just disappointed that all the podcasts i've listened to, i've never heard them mention this self sufficiency rule... completely changes my plan, and reduces the income I was hoping for dramatically.

Also, being that the home is under an LLC,...does this automatically make the rate higher or is there a loophole where I could live in it for a certain period of time under an LLC and get the reduced interest rate when we buy?

@Steve,Whoever told you the "until created" thing is not correct.The IRS rules stipulate that you may not produce any direct or indirect benefit between a plan and a disqualified party and a retirement plan.If your personal business is creating opportunities and putting capital and energy into deals that you then take over with your IRA, your business is providing services to your IRA. 

from my understanding all hearings for all areas are being postponed so i do not think it is a reflection of them siding with tenants over property owners but most likely just trying to reduce gatherings. 

They might not have the budget for a STR on par with our normal rates, but perhaps at a significantly reduced fee, we can at least get some incoming cash flow to go towards the mortgages, and they get a clean, private space that they wouldn't have otherwise been able to afford. 

I think an appropriate mask and eye protection limits your risk but mainly reduces risk to others from your aerosols.

More of the thing to consider is having reserves to cover the loans on all your rental properties, and a 3-6 month emergency fund to pay for your own home and life should your income get reduced a bunch.

Can anyone advise what specific charges I can dispute or reduce within the closing costs of a refinance?

I will work on a case by case basis from there to defer or temporarily reduce rent.