Reverse multi-fam House Hack? DSCR loan refi to Traditional Loan?

[Cameron G.]

I am looking to do a house hack for my first investment. Ideally, I can have my parents cosign and we can go in together on a duplex. Alternatively, I can try to get a DSCR loan on a tri or quad that cash flows sufficiently to qualify for the loan. I want to talk about this second option with a little twist.

Obviously the challenge with a DSCR loan in an owner occupied property is you lose out on the income of one unit, which makes it hard to qualify for the loan. So, what I am thinking is doing something like a reverse house hack, where I fill the whole unit with tenants after buying with a DSCR loan, and then refinancing into a traditional loan later and moving into one of the units [to get the benefit of a house hack, saving money on rent while building equity]. Any thoughts on this?

Thanks!