You appear to have the experience, but may lack the financial ability to acquire and rehab the properties. 

Respectfully, almost everything maintenance is an emergency to a tenant and they expect immediate service.May we ask, how is the squirrel interferring with your ability to occupy and use the home?

We have the ability to request up to $500,000 total loan amount (for 2021) and are wondering about downside risks before requesting an increase in loan amount.

Also requires the ability to have a separate entrance from the normal front door of the home.Let me know!

If you are house hacking you may want to take into consideration that you have to live somewhere and if the cost of hacking is less than if you were renting even a small negative cashflow is not bad if their is upside such as ability to increase rent, appreciation, tax deduction, quality of life, etc. 

There's one additional reason to take a position that your rental operation is "trade or business": your ability to deduct business overhead expenses such as marketing, education, etc.

@Victor Kyi - In my opinion the reduction of risk investment wise comes in the quality of the asset (which in new construction means it will be in a good shape for a little while) and second in your ability to predict the cash flow based on what it would currently go for.

Do these things really not affect the ability to find a good tenant?

Lets look at the top three benefits to the owner using owner financing: Ability to defer taxes from the sell of the property. 

We reduced our timeframe to get back 100% to 30 days out and offered anyone within the 30 day time frame either 50% back or the ability to reschedule for a year from the original date.