So technically another month I lose out on income.

Rentals are designed to lose money on paper due to deprecation, lenders know that. 

I self manage and I wouldn’t want to lose 15-20% right off the top.Where are you planning on doing this?

Don't cheap yourself out and lose a tenant. 

The combination of allocating what you were losing by renting and then moving in one side makes the opportunity becomes more desirable and profitable compared to a pure investor.  

This comes at a cost, of course.I noticed that you listed a con of syndication investing that you “can lose everything.”

:P A VERY common motivation for a formerly incarcerated person to be calling me for a mortgage, is because they can't find anywhere to rent, I'll actually probably lose business because of the new policy. 

The area is slowly growing.I am a little reluctant to share location in the fear that I might lose it.

I think an Airbnb will be one of the first things to lose if the market goes down but a rental is a proven type but you'll probably need about 20 SFH's to get where you want to be to pay your monthly expenses. 

Compounded by the struggle of losing her, I'm just not sure what my options are in terms of refinancing the home.