Probably,because they need to get their tax dollars. 

Highly pressured sales tactics at there 3 day events they do all over the US to get you wrapped into their high dollar coaching programs. Then when you don't have the money for them they coerce you into getting credit...

Also, you don't want to lose the tax free gain on sale. 

The wife did his tax return in 2018 Gross $120k.

So the monthly rent payments received will not cover mortgage payments, insurance, property taxes, repairs, maintenance, etc, and to avoid default the owner will be required to “come out of pocket” for the negative difference. 

My family and I did A LOT of moving around and job hopping over the past 5 years but we feel like we're finally settling down and focusing on our financial future and our real estate goals.

For primary residences, lenders typically don't require PITI (Principal, Interest, Taxes, and Insurance) reserves beyond the down payment and closing costs.

However, you could still have - cashflow on paper, but still break even or potentially have + cashflow on your taxes.

This tax provision allows homeowners to rent out their space for up to 14 days per year without reporting the income or paying taxes on it!

I have a tax question.