Finding a qualified tenant/buyer is a function of marketing and terms. 

There are some new programs and ways for investors to save money. 

FHA loans and similar first-time buyer programs offer better terms than what you'd likely get with an LLC, making them a smarter choice for your first investment, if house hacking.If you decide to move your property into an LLC later, it's possible through a quit claim deed, but it's crucial to consult an attorney to navigate the mortgage implications and legalities correctly.

There are a few possible programs out there for first time home-buyers that will assist with your down payment as well.

If people own a cabin that is zoned to allow STRs, then they are going to rent them via an STR program. 

If you have a lender that offers a hybrid style program, please do share as it will definitely help us all out.

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Can I qualify as a First Time Home Buyer and utilize FHA or similar programs?

I’d suggest reaching out to Horry County directly to ask if they have any abatement programs to potentially reduce your property tax.

Additionally, I’m partnering with a friend where we then can take advantage of a first-time homebuyer program, but we’re unfamiliar with the available options in Charlotte.Your guidance and expertise in helping us find suitable properties and navigate these programs would be greatly appreciated.