The key is to allocate expenses proportionally between your primary residence and the rental units.

True asset based hard money lenders that do not consider the borrower's creditworthiness typically are a lot more expensive than we are.So, to me, I usually tell people that the primary difference between PML's and HML's is cost of capital.

We might move back to the East Coast in 4-5 years, so I’m looking for investments that can work well as a primary residence now and a rental property later.Income: Both my girlfriend and I have solid tech salaries (150k+ each).Current Portfolio: I don’t currently own any rental properties.Goal & Long Term Plan: I don’t love my current job so like many of you, I would like to create enough passive income through rental properties to have financial freedom and be able to work business ideas or side projects.

I was a little busy dealing with the hurricane (buttoning up both rental properties as well as my primary home) and evacuated myself on the 8th.  

If it was just an email (again have not seen it) that says they are pausing with no explanation etc. that would be a very big cause for concern.3.

you mention you are overseas quite a bit, but maybe you could still have a primary residence with a primary residence loan.

However, since you're planning to buy a single-family home to live in, it would be considered your primary residence.

Down payment can be higher than primary, but the good thing is that you won't need that much income to qualify because lenders can you 75% of the market rents for the units of the property.

If I buy a property for short term rental and do a cost segregation study to speed up depreciation, can I later decide to convert to a primary residence?

Are they putting down money as a down payment and do they have a primary residence they realize they could also lose if they do not pay you (depends on state).