I talked to a couple vacation rentals that don't really handle the STR and they aren't seeing much enforcement as long as you pay taxes on the income and not causing issues with the neighbors.

@Mark ShubinHouse hacking means buying a place and living in one part while renting out the rest to pay for the loan.

I have no credit debt and $12,000 of student loan debt I'm looking to pay off within the year.

@Bethany Travis, the short and straightforward answer is to pay a real estate attorney to draft a purchase and sale agreement with an exhibit to assign the contract.

So I need to pay them off or keep them on the books and continue buying property with DSCR loans from now.  

If you buy at 373k, you're probably paying around 2,200 a month in mortgage.

Currently have tenants and paying monthly consistently.

In the future, do a court records search at https://casesearch.courts.state.md.us/casesearch/If you had done that, you would have seen they have 8 failure to pay rent cases against them.

The tenant proactively requested help in paying their rent2. 

… $1.2MWith head shaking, I responded that he didn’t just buy a $1.2M property from an old woman who was unable to pay her taxes for $80k.