Personal use includes: storing of some family personal papers/records which I don’t want to keep at SFH1, sometimes I have a guest over who I don’t want to live with us, sometimes I need to sleep at SFH2 when I am working late at my job/taking a mental time out with my partner.

Are you the type of person who can hand over the keys and still sleep at night, just wondering if your good tenants are having one hell of a party.

I started taking more action and getting less sleep!

.:-) Again, if its a burden and you wont sleep well with the purchase, dont do it...But I am sure the calculators will give you much knowledge than before a pro...

This depends on how you sleep at night.Seller financing can be great if you can find the property and work a deal with the seller.  

I didn't lose sleep when the rates were close, but now that they are going up a bit I don't want to be forced to refi properties I just refied 6-12 months ago, going through the hoopla of expenses and rate hikes. 

Turning your existing house or other sleeping space is hard to answer without knowing what kind of resident it is you/might have a different answer. 

Eat drink and sleep with podcasts going.

I have my pool license so I know what is required, and also have watched my neighbors both close up their pools after a few years.. they aren't worth the extra time and cost, especially up here in Minnesota for the limited summer.. but basically the risk is something I'd not want to lose sleep over. 

Lenders and mortgage loan servicing companies love to let sleeping dogs lie.