The SST doesn't apply for legal 2-flats so if you want to use FHA it's probably better to target those that maybe also have a non-conforming basement or attic unit.This is why the 5% down conventional loan is a game changer for house hackers.

I wanted to get back in the game again but don’t have much in reserves that most if not all HML require.

Welcome to the real estate investment game!

The further you get into the deal the more skin in the game you end up having so it just makes sure you see the project through so you recoup the time and cash invested. 

They are on a big push to get back in the game though, have you seen their recent ads stressing that they only list private homes?

Play the long game and hold onto that equity. 

Whether you’re a mortgage broker, real estate broker, or running a private lending shop, what software and processes have been game-changers for you?

I added arcade games, board games and accept pets as well.

Honestly, it seems like you’ve got more skin in the game than I do since I’m just getting started as a bird dog, but I really admire your approach.I think your focus on tax-efficient strategies and building a reliable team is spot on.

Have flexible repayment terms been a game changer for your deals, and if so, how have you leveraged that flexibility to scale your investments?