Each class has different tenant pools, appreciation, turnover rates, etc.

House hacking is tough to break even with in year one (with current house price run-ups and interest rates) for a couple reasons:1.

One thing I would look into is tax rates for the commercial property. 9 times out of 10 hotels are taxed at a higher rate than residential.

It feels like a slow rate of growth but it is working for now. 

It would be helpful to know about a few, in my quest to find the best rates.

Typically the rates change depending on if you are occupying the property or not.The reason most people talk about house hacking is because of the benefit of lowering your expenses. 

We would have trouble cash flowing if we were to do a cash out refinance with the current interest rates.

Almost any $65k property in a Midwest city is going to be Class D or need $20k+ in rehab.Class D means you'll only get the worst tenants, who have a high rate of eviction for nonpayment AND they trash the place on their way out.You MAY get lucky and get a S8 tenant for your Class D rental, but most of them will want to live in a better neighborhood.

I am assuming something similar would happen to Americas credit rating? 

Unless rates lower it may be status quo.