Hi Roger, yes, the plan is to house hack.

If HOA by laws state past due owners are responsible for all late fees and legal expenses for collection hire an attorney to go after the past due. 

Hiring a PM is more expensive than anticipated.

There is so much cost to running a (any) business, even changing a light bulb is expensive for a PM.

You’re up 40% over your withdrawal plan.

And this is your best chance of house hacking while covering most of your living expense or maybe even cashflow if you buy in the right area.Hope this helps!

Educate yourself on the local market, network with other investors and agents, and always have a solid plan in place before making any investments.

Networking with local investors through BiggerPockets, Facebook, and meetups can help you navigate the market, while avoiding common mistakes like underestimating expenses, poor tenant screening, and hiring the wrong property manager.Good luck!

The AC is old, but I’m planning on holding off on replacing it.

I plan to speak to my broker and it's probably a question for their lawyers, just wanting to check all my options before I choose a route