House hacking will also give you some personal "property management" experience.

Would our personal mortgages count against us for a cash out refinance?

Kyle, you are correct, you should not be responsible, but the fact is MN law requires you to pay unless you can show the bed bugs are a result of willful, malicious, or irresponsible conduct of the tenant or a person visiting the tenant, which is nearly impossible to prove. 

House hacking will also give you some personal "property management" experience.

STR you personally can enjoy the property too2.

If you're asking for free advice from a stranger on the internet, I'd encourage you to find a different STR market unless you want to have a place in Kissimmee for personal use.

I personally wouldn't charge for any of that if they left the unit in good shape. 

Personally I feel he earned it that’s his money.

@Shiloh LundahlTheoretically assuming properties were identical in every sense yes because I don’t need cash flow and would rather have the extra $100k in equity.Now $600/mo could get you another $100k mortgage to get you another property that could potentially also cash flow but for me personally I am in equity play mode now income mode - just my personal choice but nothing wrong with the other scenario

This is a lender and personal question.Lenders look at your monthly Debt-to-Income Ratio.