Maybe a price decrease or a lower cleaning fee? 

I can’t stress enough how doing a search to see how many units are available can help you capitalize on scarcity pricing.

Things like single-industry towns are high risk, as are areas that have significant population decreases. 

You will also use double conventional loan slots, which means you will need to refinance into a portfolio loan faster if you plan to buy over 10 properties, thereby decreasing your cash flow because of higher rates.

I'll have to pay back any cash I borrow from the 401k, but I am not charged interest, however, if I do a cash-out refi on my current rental, my cash flow will decrease on that one. 

Demand can decrease, but if supply decreases as more, prices can still go up.

If its newer, might as well use origination amount as there won't be any material decrease in balance for the first several years.I'm always amused at how creative people get when calculating a mortgage balance on a particular piece of property.

Kids after a divorce and then moving into a house hack situation could be a lot of stress on everyone.

You have to be in a position to refinance out of a portfolio loan within 1 to 3 years, or the cost of this loan may create too much financial stress on your family.

It’s become a hardship, very stressful.