Given appreciation is typically where you are making most of your return in any real estate, having this additional appreciation helps create much higher returns.Additionally, my single family tenants, typically stay a couple years longer than my duplex tenants.  

.: @Robin Simon I’m looking to put at least 5% down in a loan and use a larger portion of my capital to buy down the interest rate to take off a couple of points.

Hi James,We are looking for our first house hack as well. 2 months ago, I would have been excited to get into any good multi-family with conventional financing, but in the last couple weeks, I have been learning a lot about creative financing options such as seller financing and subject to.

So if I was dealing with a seller who was insisting on handling the transfer this way, I would be wondering what the seller is trying to hide... and I would figure it out. noted, i already started contacting some title companies, and found a couple that seem trustworthy, do you have any recommendations>

I used a combination of leveraging my business line of credit, HELOC and partnerships for my first couple deals before adding in private lenders. 

After replying to a couple of comments and really thinking about it, it's clear we offer much more value than Evolve.  

Meeting that 2 in 5 of the last requirement allows a single owner to shield $250k of appreciation and a married couple to shield $500k.Unless you predict a lot of income from the MTR or you feel that there is a lot of appreciation incoming over the next three years (minus time get the property sold), you may want to consider collecting your $100k (passing GO) and redeploying that money to whatever you feel is its best use. 

Hi Chad, my wife and I have been house hacking in the Twin Cities for the last few years and have a couple properties under our belt.

Our best use for the property would be to build a couple of large estate home (8k sq' and up) and form a private estate, but, being that we are in the County with no existing zoning requirements, we could also build what we want and potentially turn it into an income generating property.

., I've done business with Capella a couple of years ago.