But I generally jump to fix tenant requests quite quickly to retain quality tenants.

Then, is your STR in a high-tourist area? 

I will suggest a conventional loan or an fha both to be owner-occupied - I will stay away from DRSC and commercial loans at this time due to the high rates.

The W-7 form may look easy to complete, but we highly recommend finding a certified agent to handle it.

@Jay Samudio great advice from @Melanie P.Also, in our 24 years of experience, a tenant that has to get emergency relief typically ends up behind on rent again very soon.Be sure the tenant cooperates with providing documentation explaining why they fell behind and that the problem is highly unlikely to repeat.If they won't cooperate and state, "none of your business', then what does that tell you?

I also have a primary residence with nearly a JUMBO loan at a high interest rate and I own a vacation place in cash (small trailer not worth much money but i also own the land) in a different state that I pay RE taxes on. 

It may look like a cheap 3-4 unit, but if it is in a place that is known for high turnover or other issues, then it may not be worth it.

Highly appreciate you being willing to share the knowledge.

I'm perfectly willing to pay for my MLS access, but I don't want to pay the high membership fees for KCRAR.Can anybody shed some light on this process? 

The duplex was expensive and with rates as high as they are, I was not able to save money house hacking.