Also, I am huge on Buffini, I believe my success stems from that system. 

@Brendan Fucci make sure you are using stem wall and not mono slab.  

Just for completeness, I spoke with @Grant Schroeder, and he informed me that a house hack is likely not doable in my situation, largely stemming from some misconceptions that I had.First, I'm aware that a conventional loan on a primary residence can be acquired for 5% down, but this only applies to a single family swelling, not a 2-, 3-, or 4-plex.

My roots stem from beautiful Hawaii though currently residing in northern Arizona.

I agree it seems the interpretation stems from that hundred year old court case (Clark V Service Auto).

You are going to see higher rates due to the artificially inflated real estate market that stemmed from COVID. 

 Fear stems from the unknown!

It's a failing medical cannabis dispensary, I have some good friends very familiar with the industry who are looking for additional funding... 

STEM fields - those in the areas of science, technology, engineering, and mathematics - are critical for the U.S. to remain competitive globally.

ive been on a journey of self development over the last 5 years.....it all stemmed from reading books........My health has improved, my finances have improved.....ive been on a spiritual journey.....etc.....also my philanthrophy work has improved tremendously because of it as well......about 4 or 5 years ago, i started feeding the homeless......I feed the homeless, once a month and/or every time that i close a deal.......i actually did it this morning.........Ive been doing it so long now, that ive built a relationship with the local mcdonalds owner.