These are pretty much the replies I expected, but great to hear that I'm not the only one concerned with guest safety. 

If you walked into a bank, your pre-approval would likely never qualify for a house hack duplex.Did they count 75% of the expected rent towards your DTI? 

ARV Potential: Where can we expect to achieve higher ARVs?

A more realistic expectation is 24 hours which will ensure we can arrange any repairs or corrections with a team, handle it in person, etc. be curious how this plays out as I worked for local developer for a while and developed several properties in Alexandria (Specifically old town) and while the city is challenging like any city - they were mostly realistic.

By then I expect to have a clear plan so I can move into action.

Better tenants expect better and treat the property so.

"We do not expect much further upside for housing demand near-term.""

There are a lot of affordable properties in Knoxville, but the growth isn't terribly vibrant and the deman isn't what you'd expect for a city of that size and that close to the Smokies - you're mostly looking at college rentals for the meat of the move season, and the SF market, while it exists, doesn't really compare to Chattanooga. 

Most of our out of state investors in Pittsburgh find success depending on their expectations.

I don' expect it to be a crazy market but better then 2023/2024