If the deal was real I’m sure he would have been too occupied with other buyers to call me that many times.

I'm guessing this is within 500' of another non-owner occupied Airbnb rental, which makes this property ineligible. 

We can do a lot of the shopping around for you to save you time.Just for comparison sake, I ran some rough numbers through... you may want to keep shopping.FICO 740, 3.0% Down FHA @ 2.512% at par (no points) - Owner Occupied Quad PlexFICO 740, 3.5% Down FHA Elite @ 2.364% at par (no points) - Owner Occupied Quad PlexConventional will require a minimum of 95% LTV on SFR, 85% LTV for 2 Units, or 80% LTV for 3-4 Units and go down to 640 FICO min.Brokers get better rates...

You have expectations of tenants too as long as you are upholding your side of the contract in providing a serviceable place to occupy.

Most of our duplxes were specifically built by German and Polish immigrants specifically as owner occupied income properties, so the concept of house hacking is at least 120 years old!

I'm not sure the new ordinance that passed in late 2019 allows for two short-term rentals on the same owner-occupied property.

Over 90% of conventional mortgages are written for owner occupied, so you are not going to find a mortgage broker that deals only in investment property. 

They will be occupied for about another month and we have just listed the unit.

You’ll stay fully occupied for longer in the panhandle.

There's definitely a threshold on price and occupancy that make AirBnBs a lucrative investment though falling below this threshold by either being underpriced or under-occupied, can result in you having to pick up the tab to subsidize the property.