Bankruptcy will affect your ability to borrow for a long time and unless you know why you got in that position and change that behaviour, you aren't going to be any further ahead.If you think you can save $60K in 5-6 years, you can also pay off that debt in a year and then take the next few years to start saving for the down payment. 

I think behind tenant screenings and leases there is a quality of a landlord that's also as a person that is the respect for a good person and the intelligence of making fair affairs.For me for ten years in the past I had a house of 650sqft (two rooms and cozy kitchen) where I always have been giving away one of the room for others who were asking for help for themselves and I didn't had any earnings for me by that, and that has been during for many and many years, meanwhile I was surely needing more space for me, for my business in a studio and for my own personal life I eventually could have been having.Nonetheless this, on last years I had no more an house and I needed a room for rent, but even before any screening the landlords were being unrespectful and very unreasonably severe to me, they often had making me lose so much time by no taking or going away to the point I had no other choices in the end, and they set me in the wrong places for me, dangerous ones, too small, too big and very expensive, unhealthy ones or not providing anything at all when it was obvious they needed to.To me this kind of behaviour is very wrong, mostly because usually they are the same people who pretend respects and acts as they are very careful and attentive to housing situations in general, but with me, they have been lying above anything and just disrespected the person at a human level. 

Positive SolutionsProblem: In my county small multi-family houses are nearly non-existent and short-term rentals and second-cooking-areas are illegal.Solution: House-hack while renting MTR to traveling medical professionalsProblem: I didn’t know the many laws of the countySolution: A hired attorney 1) informed me that the county calls a house-hack a boardinghouse and 2) drafted a very comprehensive agreement that includes answers to your list of questions.Problem: Interpersonal problems can be a risk.

Add in the current BLM protests where property is destroyed, the police do nothing, and some municipal governments even condone the behaviour!

I don't even know if I'd like the guy.So, tells us, what is it that this phantom person did to cause you such delusionary behaviour?

Also, I'd lease out the other bedrooms for additional income as well as practice screening, leasing, and interpersonal comms.  

My take as an insider is that it's because it's actually a much harder job than many might realize, and a consultative/ interpersonal/ hands on one that simply cannot be replaced easily with technology. 

If this behaviour continues in inquiries, it may result in the suspension of your account.Thank you for your cooperation and understanding.

More turnover, more interpersonal problems, more wear and tear, etc.

Some individuals get along with other individuals interpersonally in a more comfortable manner- that is something that you might want to factor into your choice also.