Much more than a forum answer post can hold. 

My goal is buy/hold.

Be mindful of short-term capital gains tax, as profits from flips held for less than a year are taxed as ordinary income, and frequent flipping may result in self-employment taxes.While profits from flips do not qualify for 1031 exchanges (since flips are considered inventory, not investment properties), you can minimize your tax burden by deducting allowable expenses like renovation costs, loan interest, and holding expenses.If you're considering diversifying into rentals, explore opportunities to benefit from long-term tax advantages such as depreciation and lower long-term capital gains rates.

Now most of the time we don't see househackers/investors use in-house or portfolio loans from banks because sometimes they have more restrictive guidelines and higher fees for holding it which might cause the numbers not to work or for the deal not to go through entirely. 

This is our messages to Appfolio for the last two months, they are awful and holding our fund not to disburse, please see below - We have been trying to reach your company by chat, phone number and no luck.

We also have a different ESCROW account that holds the deposits for buyers purchasing our listed properties. 

If you are setting aside funds for capex, taxes, insurance, or other expenses that don't occur monthly, transfer those funds to Savings each month and hold them there until it's time to spend them.

Also make sure you are comfortable with some holding costs if the units don't get rented right away (if vacant).Also look into if there is rent control in the area that the property is located.

@Jacob HripWhen paying with cash, you have fewer closing costs (no lender fees) and fewer holding costs (no interest payments).

I’d recommend focusing on building connections in Denver, exploring local markets, and considering strategies like house hacking or buy-and-hold investments to help you reach your goal of becoming a millionaire by 2027.Good luck!