Trying to house hack in king county, wa

[Kirill Lesnykh]

I'm planning on house hacking, the typical buy a duplex, fix it up, rent out the other side while living for free. The problem is that even though I can co-sign with my parents and get a property that costs a lot more (by myself I'm looking at 330k loan), a typical duplex that still needs repairs on Zillow or another house buying platform costs around 500k, and my bank said that I can't use an FHA load on a multi family home because of liability issues so the minimum I can put down in 15%, which is 75k.....that's a lot of money. I'm estimating about 40-50k on renovations. Should I save up 75k over the next year and a half, only to rent out the other unit for most likely less than I'm paying for the mortgage? Or is there another way for me to get cash flow?