Not a full fledged house hack, but enough to take the sting out of the rate we got.Not all of Citrus Heights is the same, but the area near Fair Oaks/Orangevale/Carmichael has a good balance of price and quality.

Rates are high, usually in the high 8s or low 9s, and you may pay 2-4 points on the loan. 

Appreciation and value add opportunities are also a factor though generally they don't change my offer.

Often times, if they come in through VRBO or AirBNB, they are looking to get something at below market rates or market.

If it is someone you know you can give them a straight return as if its a loan - can provide a lower interest rate to provide upside - it really depends on the lender and what are they concerned with and what is their risk profile. 

Big changes coming soon, and climate change is just the beginning.

In this market, with interest rates and prices at where they are, they're usually not viable (i.e. don't cash flow).

Coupled with persistently high interest rates that may last for years, rising insurance premiums are inevitable, regardless of your property’s condition.

For all methods you would want to find a market that has strong employment rates, strong income rates for the market, and is a growing or an established market. 

Things definitely change once you're married but if you don't have any kids and your wife is open to it you may want to try finding a duplex, triplex or quadplex to buy as a primary.