As a result, cash flow is heavily negative.

Age centers (sorry, I don't know the PC term for old folks home today) are hiring left right and center.I live in MN, at the height of our lockdown the numbers showed "as much as" 30% of workers were negatively affected in their working situation, be it working from home too laid off, that leaves 70% working as normal OR working and earning MORE.

In reality, this is often not the case and the differences can be both positive and potentially negative, especially where lenders are concerned.Opportunities"Selling to relatives can be a good option if the seller is having trouble moving the property or if they desire to keep the property in the family."

While they may want to get some stuff for taxes, they may also be offloading a negative cash flow property during a tough time. 

Seeing that you are leery to manage through a company keeping it when you move, keeping it beyond 3 years is problematic.House hacking can help the cash flow, but likely not enough to make a 3 year hold have a good return.Using realizstic expense estimates, most San Diego RE is cash flow negative at purchase. 

So for me, at first it was negative, but i was able to turn it to a positive outcome.

A higher DP is just paying negative CF up front...and adding to your cost. 

Taking the 30-year option will allow you to double your cash flow allowing you to scale faster.As long as you have a positive cash flow on the property it shouldn't negatively impact your DTI.If your goal is to continue with the property you have then I think the 15-year may be a good option.

Some of them are long, but they are descriptive and I've never gotten any negative feedback from them.

Many don’t track this statistic.