Every market is different, and I won't speak to Cleveland specifically, but for my clients in Chicago, a house hacking strategy is often more about appreciation.

The area has been a mecca for vacation rentals for a long time, and the local economy and service professionals are completely entwined with the industry.  

Just a quick question for the forum's sake... do lenders take into account specific job titles/responsibilities when decision making?

I am a tech professional, but I also own a small Home Improvement company with my father who has been in the industry for 20ish years.

Perhaps you can find one willing to take on the project, someone who really understands your specific concerns.

Lots of the known companies such as CHUBB, Cincinnati and others are using their E&S companies that aren’t regulated but the state to offer coverages where they can.  

Many Commercial lenders are not licensed, since there is not a specific license to originate 5+ Unit Commercial loans. 

I'd consider utilizing the tax experts option on turbo tax if you have any specific filing questions.

Good for the agents that remain in the industry.

.- every investor reaches a point where their DTI is trashed and they have to move into different loan products. there are tons of lenders out there that specifically work with REIs & have many ways to navigate this. don't let DTI concerns keep you from moving forward. - LLCs provide minimal legal protection in case of an incident. work with an asset protection attorney to come up with a better plan if they are that concerned. also have great insurance and an umbrella policy.