Sounds like you need to consider converting some of your equity in your portfolio (or investible capital) to more income creating assets if you need more cashflow to support your lifestyle.

People are not getting paid much, so they will try to reduce their expenses rent being a major expense, so they would sacrifice their class A life style for something lower.

For people hoping to shift their careers and lifestyles sometimes there is no way out but through!

I have never heard of a bank forcing a refinance because of an enhancement to the property

Not to mention the cashflow, debt pay down, tax benefits, and lifestyle improvements house hacking has created. 

This rental income could enhance our savings for future investments.

But somehow, they seem to need every single penny to maintain their current lifestyles.

Not to have any renters take this hard but I feel like many people are renters because of their lifestyle choices and pets may be one of those choices.

I think it would very much enhance the BP brand to have such a book out there, because it would be nice to see a book on wealth building that focuses on the wise uses of that wealth instead of the selfish silliness that usually goes along with the topic of wealth buildingLegacy Wealth: A PrimerGenerational Wealth: How to Build It, What to Do With It

I'm sure there are many local meetups in your area, hopefully some specifically about STR's.I have always found it incredibly valuable to speak to someone who is where you want to be, and ask them about their current state, lifestyle, etc.