The client can always use their own funds to replace debt. 

However, the biggest con is that you are sacrificing a bit of your privacy by living right by your tenants and it is usually a lot more stressful since everything is your responsibility - managing tenant issues, handyman repairs, taking care of the lawn, etc.I would strongly recommend house hacking especially in the Columbus Ohio market!

We understand that tax complexities can be challenging, but our experience shows that many of these barriers can be overcome with a strong local team.

It’s been a strong performer ever since.

He strongly discouraged adding a backwater preventer bc he said he's seen it make things worse.

Another important thing to keep in mind is that markets with strong cashflow won't typically have as much appreciation.

But I strongly urge anyone to always get Aldermanic support before proceeding because it makes life--and the entire project / process--a whole lot easier. :)IN SUM: Based on what you've shared, it sounds like you won't need to rezone if you just want to build a duplex.

I am of the opinion that cash flow underwriting comes second, after first nailing the long term deal fundamentals, how strong is the equity upside and market generally speaking. 

We wanted this client's project to stand out, but a bold and modern aesthetic just didn't match the house.

What I do see is that a strong screening process improves your chances of getting a responsible resident.