2) Should I have a home inspector take a look at the home to see everything in the home that may have been affected that an adjuster may overlook, or that I may not report because I don't see it?

When I evaluate the options, house hacking consistently offers the highest risk-adjusted return, 10 times out of 10.That said, it seems like house hacking might not align with the lifestyle you envision: “I can’t afford a place with enough bedrooms in a single unit in the areas I want to live.”

Whether it’s keeping up with guest communication, adjusting prices, or just finding time for all the details, I’d love to hear your experiences!

I've had a chance to adjust these since talking with someone else, and I'm definitely NOT doing a HELOC and a Hard money loan.  

For future reference, the agencies will often adjust LTV/DCR by -5% LTV / -.05x DCR for loans involving new agency borrowers with minimal experience / like size AUM / etc. 

This is assuming the rental has been on the market for a while, is priced competitively, and the asset is in good condition.If you aren't getting enough qualified applicants, you can adjust 2 different things; the qualifications or the rental amount. 

I filed a claim.Claim adjuster came out, fire department came out to log it and an investigator that works for a law firm representing the insurance company "Loyd's of London.  

His Screening parameters were not as restrictive. do you need to adjust your screening parameters?

There were comments that the sponsor wrote they did not believe in fixed debt and went with adjusted debt because you lose the chance for rates to go down.

Yes you would honor their leases until they expire, then you can adjust their lease or end the lease so you can renovate the property.