The drawbacks of house hacking are the same as the drawbacks of almost every other wise financial decision, such as not buying new cars, not going into credit card debt, or investing in your 401k.

The interest accumulates in a separate account that is collateralized by the cash value account so unlike what what most people think the debt or loan account is separate from the cash value account.

Don't try to outsmart your debt or take the easy way out... attack it. 

I want to make sure who ever receives this has enough capital to pay cash to fix it up. .I don't want anyone going into debt or putting debt on the property. 

Also even if the asset left over out of the trust is minimal, it is often advised to have a probate anyway to extinguish any possibility of unknown debtor coming back later.

The biggest detractor is limited control and timing of exit.Regarding your low debt position today, it puts you in an odd spot with DSTs that have either no debt or 50+% LTV. 

Are your current deals with fixed debt or variable debt?

I just did Tony Robbins UPW in LA (15,000 people - life changing), and signed up for Mastery University, which put me back 10k to about 25k in debt or so.  

But if that doesn’t materialize, or if we hit a recession, it’ll get worse.My personal advice is, if you don’t already own stabilized real estate, in solid areas, with fixed debt or low/no mortgage…take the 5% return available now for your liquid savings and wait.

As for putting that money into REI, I'd take the free money first with matching and then see how I can deploy other funds to pay down the debt or see what kind of return I could make on my own.