If cleaning is the main driver here, I would urge you to consider Turno to find a cleanerIf its helpeful, I just posted my tech stack I use here for my STRs: https://www.biggerpockets.com/forums/530/topics/1273837-my-s...For finding a cohost though, Airbnb does now have a Find a Cohost feature that shows you reviews of them which I personally havent used but could be a place to start.

You’re not crazy — you’re stacking conservatism on top of conservatism and then asking why nothing works.A few observations from someone who underwrites deals for a living:You’re underwriting like an absentee owner before you’re even an owner.10% CapEx + 10% repairs + 10% management + 7% vacancy is a fully stabilized, hands-off portfolio model.

There is normally a very small annual fee to keep the line and it is normally a 10 year draw structure with 20 year pay back. 

Are you house hacking mainly to reduce or eliminate your living expenses and then move on, or are you intentionally stacking smaller “base hit” deals with the goal of building a long-term portfolio?

Management fees are deductible either way.

Your cleaner should take care of it and if it takes extra time then you can decide whether to pay an extra fee.

Look for a 1 year loan that has no early payoff fee.

I actually like small fee HOA neighborhoods because they tend to keep property values higher.  

With us, that is a minimum, but so are your options and your decision-making.If you want to be more hands-on, then I would make another post on here asking about investors in the Bay area who are doing what you want to do but not offering to teach or charge you a fee to do it for you.

Where do entitlement, zoning, or utility constraints (water, impact fees, infrastructure) become deal killers vs. manageable?