I am in WA state, nothing low cost here.

It is my understanding they actually have a very low eviction rate.

Screaming high / fast interest rates employed by the Fed, $10 Trillion in federal spending, extremely low home sales, corporate earnings revised lower and lower, inverted yield curve for Treasury Bonds, etc…, all indicated a recession on the horizon.

@Tyler FergusonAt the bare minimum you should dedicate a checking account and credit card to your real estate activities.

You can go up to 75% cash out and use a DSCR which will off several terms including I/O Interest only which helps keep the payment low while you take out the cash and pay it down or off.

But the power of a house hack is not from the cashflow after you leave, its in the immediate reduction of living costs you get while living there and the incredibly low down payment options you can use.  

Explore Low DP & DP Assistance programs: There are many options available (FHA loan for multifamily) & DP Assistance programs so that you can save your liquid funds for reserves, etc.3.

Remember alot of Americans have a large amount on credit cards and they have seen thier rates go from 8-12% to 12%-19%. 

However, they dont want to be anywhere near the loan or title because they dont want any lawsuit liability from my STR.With my income and credit score, the terms for DSCR loans or conventional investment are not good.They own their primary residence in cash and its value is around 2 million.

7% rate is WAY TOO LOW for the risk your Mom takes.