Even for fannie may backed loans, ive found variation on what banks will allow. 

You can Alternate the pattern if you want variation and it’s durable and flexible enough to be used almost anywhere.

@Travis JacobsThe method of the BRRRR strategy is your best option or a variation of it.  

If at this time it is a bit more difficult to obtain a NNN Tenant then maybe you can consider a different type of lease such as a Modified Gross Lease where the Tenant might pay some expenses and not others - maybe pay insurance and not taxes or another kind of variation.

This allows you to include all variations of the word or phrase in your search.EXAMPLE- *repair* would include repair, repairs, repaired etc.

In practice, the rents appreciate more than the non-fixed costs and therefore cash flow improves over time.There are variations in properties and their associated expenses, but I would think it is likely that you have either very modest positive cash or modest negative cash for (so about cash flow neutral) at 80% LTV if calculated with my pro forma numbers.As indicated, historically the cash flow improves over the long term from the initial cash flow position. 

I know there's a lot of variation but what is the average?

If you have 5 bedrooms (and assuming you've moved out already), you might have 5 leases for each of the 5 tenants, as opposed to if you had a 2-unit property where you could just manage 2 leases (however, you could also rent each of the bedrooms in the 2 units if you wanted, but you at least have that flexibility with multi-families).Multi Family Pros & ConsProsLive in one unit and rent out the other unit (assuming you don't want to rent out the bedrooms in your unit as well)Easier to manage the leases if you are renting out by unitConsMight be a bit trickier for extreme cashflow because you're charging rents by the unit instead of by room (unless you choose to rent by room)You're not living directly with the tenants so there is slightly less supervision (but then again, you're eventually going to move out of the investment property whether it's a single family or multifamily so this 'con' is inevitable)All in all, the house hacking process is generally the same, but as I noted, there are some slight variations which lead to slightly different strategies.

With that said, I've seen so much variation in how appraisals are done that I wouldn't doubt some have had it driven by income instead, especially if it's a weird property with comparables being hard to find.

There are a lot of variations within.