I’m now scrambling to get 7 long term rental properties insured because of their gross incompetence.

All of this will depend on how long your seller has held the property - but watch out for it - your $216/month can evaporate when you open that letter. 

Long story short, to get a loan for a primary home the lender has to be able to prove that you have the ability to repay the loan that is given to you.

Maximizing Cash Flow: Share the creative ways you've been able to increase income from your house hacked property.Long-term Benefits: Beyond the immediate financial perks, what long-term gains are you seeing with house hacking?

I think your long term hold goal is a great mindset, I would be shooting for that goal of owning a few properties by the time you're 30.As for what to do next, I would recommend a cash out refinance as long as the rent on the mobile home would cover the payment.

(Long story) so I was thinking package those 3 with 4,5,6 whatever it takes to get the cash flow/DSCR ratio needed?

Nothing sits too long. 

Hoping to make some life long connections.   

If you are trying to convert a property under and hoa into an str, your job gets even more complicated as the HOA itself may have its own regulations IF it even accepts it at all.caution: STR market is over saturated in these parts and some of them are shuting down and being converted into corporate housing, mid term rentals, or furnished long term rentals.

However, lately I have been seeing appraisals come in lower than anticipated so be prepared for a value cut (Subject to your market of course)Lastly, you can do a delayed purchase and use 100% of the initial cost so as long as the loan amount does not exceed 75% of the new appraised value.