As a first time buyer, over leveraging is an incredibly risky endeavor.

It was an incredible deal that I found off-market How did you find this deal and how did you negotiate it?

How much time do you have and what is your investment strategy, fix and filp, BRRRs, STRs, buy-and-hold will require different hunting techniques. 

We purchased here because the numbers made sense and I'm in the Navy and stationed at Navy Hospital in Portsmouth, so I'm incredibly close to work.

These retail purchases have done great.ROI in coastal So Cal has been incredible.  

But the power of a house hack is not from the cashflow after you leave, its in the immediate reduction of living costs you get while living there and the incredibly low down payment options you can use.  

Joe that is the way its suppose to work and exactly how we did our sub toos  as you point out though when this technique starts to get marketed to the NO money no Credit RE crowd its going to cause some severe headaches for Sellers and Buyers.you hit the nail on the head of Chris's situation I am guessing and if I was buying paper like his fund does I would do EXCATLY what he is doing buy discount have the right to accelerate and get cashed out spins the APR meter dramatically for an investor or a fund. 

Andrew and his company are incredibly UNPROFESSIONAL and I would recommend STAYING AWAY from him and his company. 

Real estate is an incredibly powerful tool to an investor in creating generational wealth.

I don't know about you, but in 30 years I'd rather be sitting on a million-dollar asset that I own free and clear (because someone else paid it off for me) that is generating multiple, multiple times the rent I was collecting when I first acquired it and in which I can fill a vacancy with a qualified tenant within two weeks because the area is so desirable that it can't keep up with housing demand than on some boondocks asset that I only purchased because it was the cheapest thing around and "cash flowed" $200 per month on paper but barely appreciated over the years and whose rent appreciation has marginally kept up with inflation and takes me three months to fill a vacancy with a "qualified" tenant who even then might get behind on rent because his hours were cut at the gas station 30 miles away (true story; my tenant worked at a gas station in Boron--only job he could find).Personally, I'm keeping my 4-unit in Santa Clarita and investing in development deals and notes until an incredible off-market deal lands in my lap (keep dreaming, Logan) or the SoCal market cools.