The concept of S8 (and the ultimate goal of the HAs) is to provide a bridge to those in need and get them in a more stable position so they can eventually get off the program.

I love this type of concept! 

The 30 year fixed rate loan would be a better fit for this purpose since it's terms will never change.You might be able to think of some other scenarios but hopefully this concept is good enough to know the difference between the two.

Any recommendations for those basic services? 

@Brady MorganI like the strategy concept.

Outside of owner occupied which can get you to 9 units relatively fast I would look into BRRR like was mentioned above and value add multis same concept as BRRR but with multis.

While it may seem like a simple concept, it's actually a very complex process that requires significant documentation as well as specific methodologies.

Overall, it's disappointing to see the platform management market continue to increase prices for what are, in their most basic form, calendar sync and message automation tools.

Buildium: lease/tenant management, online rent payments, maintenance work‑orders, and basic property accounting3.

This is a well-reasoned concept, and I think your framing around tenant psychology vs. pure cash-flow math is exactly where this either works or breaks.A few observations from markets where we’ve seen similar “rent-by-choice” dynamics:The tenant profile absolutely exists, but it’s narrower than it looks on paper.Empty nesters and downsizers do value elevators, low maintenance, and flexibility, but many in this demographic still default to ownership because of familiarity and emotional comfort.