Can your property afford a mortgage of $270k?

Assuming that your taxes and insurance are around $500 and your mortgage was $1,000 per month - even if you got a rate around 7-7.5% and had no money down I do nto see this property cashflowing.

I am ready to talk to mortgage lenders and anyone who can help guide me on a financial plan to rebuild my credit and start a small savings to build up to my first house hack deal in Q4 this year in the Raleigh/ research triangle area. 

The 2 units that are rented are covering the mortgage so yes there's room to lower the price on the other 2.

Take into account your mortgage, a property management company and other expenses and you are lucky if you net $300. 

Having a mortgage and your normal STR insurance is already 2 levels of protection. 

@Tobi Isaacs, I'm a licensed mortgage lender. 

Uptick in action in the secondary mortgage markets I suppose?   

In fact, a couple of recent studies have shown that working with a broker typically saves about $10,000 on a residential mortgage.

As both an investor and a mortgage broker who has personally used both options, I can say there are benefits to each.It ultimately comes down to comparing the two side by side based on your specific situation.