If your family / marriage situation changes, you can decrease or end your roommates and just have a family house.

According to the formula, shouldn’t this decrease the Gross Rent Multiple?

I understood the upfront topic, make sure the funds are decreased if any offer I make.

Then, decrease the rent. 

Over time, the interest portion decreases as the loan balance decreases, and the amount applied to principal increases so that the loan is paid off (amortized) in the specified time.amortization scheduleA table which shows how much of each payment will be applied toward principal and how much toward interest over the life of the loan.

(Less competition seeking for Properties) while supply keeps decreasing, demand keeps so ... rents keep moving upwards.I will chase Curtis down ! 

I know that I will only occupy a unit for a limited time, and the house-hack is just a way to get more favorable rates, better loan terms, and elminate, or severely decrease my housing costs today.I am sure there is someone on BP who has built some wild spreadsheet, or other model where you can actually calculate the value of no mortgage, but for me, as long as I am covering most, or all of my PITI while I am occupying a unit, and the deal works as a stand-alone investment deal, then I am done running numbers. 

As for investing in "ghettos" I would say I have invested in mostly "ghetto" neighborhoods and have seen the crime decrease steadily over the years and the demographic change rather quickly.

I decrease the downside by working with a PM that knows how to screen these types of tenants.  

The cost per use of the Loan decreases every time you use it.