How much will be the interest rate, and terms of the loan. 

House hacking is using an owner occupant loan to get into a home or a 2-4 unit property.

For funding, explore options like FHA loans, personal savings, or creative financing, and focus on New Jersey markets that align with your goals, such as Newark for rentals or commuter towns for house hacking.

@James JeffersonHi James,To buy out the property you need to probably apply for a loan through any lender.  

Meeting a 20% down payment to avoid PMI seems manageable, although would take a big chunk of my liquid net worth, and I prefer this route over using an FHA loan.

The modeling of this is actually pretty easy (see link: 42-unit proforma sample), but my model treats the pre-refi loan as I/O, but that can be updated based on your deal.

you will not find a cashflowing property at 100% financing whether its with a traditional loan and heloc or whatever the terms. 

They unleashed pandemic handouts and loan programs that greased the economy (this was not well thought out, contributed to the inflationary environment we are still suffering from and PPP and ERP loans were flooded with fraudulent loans and benefits)These programs leveraged existing corporate infrastructure (banks and the government had little or no operational involvement). 

Also, $625 for capturing pictures and building a 3D model of the house to go on the website.That leaves $16,338 for adding two bedrooms, among various other mostly minor fixes and cosmetic stuff.I put 20% down on my loan.

The reason why I ask is because that could determine what loan options are available to you (and interest rates).