Quote from @Christian Drbal: got it, but the business entity in question wether LLC, corp, or whatever the case... does it need to be 100% owned by my wife since she can position herself as "full time" investor as I'm a full time W2 employee currently. 

This is a smart way for house hackers to maximize income from properties that might not cash flow as well with traditional long-term tenants.

no, it's getting worse. will not add another property with them... it's been an absolute disaster and I tried to give it every chance because they are integrating tech with traditional.

My company does over 30 DSCR loan transactions a month, so I definitely have a lot of experience with that program.Mid term rentals can be tough, but they can be done.LTR (long term rent) is easier for DSCR, that would be a traditional 1 year lease tenant.I'm very familiar with the OH state market, if you have properties in mind you want to purchase, they most likely will qualify for LTR so you can do a DSCR with 20% down. 

If you are using their money for a down payment, are you really planning on renting it to them in a traditional sense or simply having them pay for the mortgage, insurance, taxes, etc (ie you won't be renting it at market value more you are buying the home for them and they are making all of the payments and repairs?

How do these terms compare to traditional loan options?

That consists of buying a single family home with some form of separate living space to rent out as a STR and help offset living expenses.The DownsideLenders Calculate STR/MTR Rental Income Differently- From a lender's perspective, any rental income received on a term less than 12 months is NOT calculated the same way a traditional long term rental is.

Use a Promissory Note and Mortgage or Deed of TrustIf you’re familiar with traditional mortgages, this model will sound familiar.

Traditional financing - 15 year note at 4.5% How did you add value to the deal?

Anyhow, I'm curious if you have found certain materials or styles that tend to resonate better with buyers in specific markets, like more modern finishes versus traditional ones.