Loan advice for house hacking

[Josh B.]

What loan would you shoot for with the intent to house hack? And why?

I have about $20,000 to invest.

I've been leaning on FHA. I understand there is a PMI, which certainly adds up. I also understand, you must live there for a year before being able to legally move out.

What’re your opinions on first time home buyers loans? The thought having two loans kinda of intimidates me.

Anyway, which loan would help me optimize the house hack to its fullest with $20,000.