house hacking, first time buyer

[Donald Wayne Hayes]

I've started the process of running the numbers on multifamily properties in my area for my first house hack. Since i will be doing a FHA load with 3.5% down i noticed most of the time the coc returns are negative with me living in one unit. This negative cash flow would be lower than rent would cost living somewhere else for me to consider the property. However, the coc return is pretty significant with me renting both units out (after one year and the purchase of another property). If the cash flow is negative with me staying in one unit, but offers significant cash flow and coc return once it's a full rental, is it worth considering. I am in no hurry to jump into anything, starting the process of finding an agent and a lender now.