I would still take a look in person since Detroit is block by block.

I have personally been involved in house hacking and furnished rentals for over five years, and it's been fascinating to see the quality of mid-term tenants we've had over the years.However, it's worth noting that in our area, the demand for short-term rentals on platforms like Airbnb and VRBO has declined in the past 24 months.

It is money I can take out early and avoid the penalty because of a divorce but it has to go to a personal bank account and it has to come to me in a lump sum.

It's your property and investment.Of course you don't want the maintenance person taking your $300 set of a steak knifes.  

So my thought on this is that I wouldn’t (personal preference) engage in a subject to transaction with anyone other than an experienced investor on the other side of the transaction.  

We were referred to a company who does capital stacking.

I'm not the sharpest tool in the shed, and if you give me a penny for my thoughts you'll get change back, but I grew up in Texas and we're grass fed on personal responsibility down here, so... 

A DSCR loan, or Debt Service Coverage Ratio loan, is underwritten to the property income instead of your personal income/taxes/debts.

Did the pest control person seem to indicate an infestation? 

House hacking will also give you some personal "property management" experience.