And there are plenty of banks who will loan without a balloon and I'm pretty good and keeping my units full so that's how I sleep at night. 

In fact that may be the direction i head, need to sleep on that idea.

How many bedrooms is your STR and what is the sleeping capacity?

And I get to sleep with her.Organizing documents: Same as accounting ^^^.

Hookers can sleep in his basemt.  

I am planning for both scenarios. but what will help me sleep at night know that if I had to move out of a house hack, my unit would cover the mortgage (plus more).

People need to eat, sleep and wear clean clothes; everything else you can provide beyond that is a bonus.

Don't lose sleep on it.

having little to no debt on rentals and your personal residence lets you sleep well, there are a few people in biggerpockets that have actually been through that in the past.  

I've known others very successful with more leverage than me in CA, and they all had respect for its power (to do both good and harm) and were strategically smart about when, how, and how much to apply even though their comfort level was a bit higher for it than mine ... these folks would rather end up with a larger portfolio of levered up assets where as I would like to retire with a smaller portfolio of free and clear, high quality, easy to manage assets that pump out cash for me consistently and with enough margin where I can sleep well at night and continue to save and invest if I choose, and we can both succeed with these different strategies.