Tell us some more about the house hack is it a true multi family or are you just rocking with roomates? 

I am looking to get into the real estate game early and learn as much as possible, especially about house hacking and possibly short-term rentals.

Congrats - do you ever think you'll expand a buy a true standalone STR of just happy with this current situation?

Yes, they can have higher rates and fees, but they come with some major advantages too—like not needing personal income verification or DTI requirements, which can be a game-changer if you're looking to scale quickly.

It does not matter whether you are starting a real estate business, restaurant, car wash, or amazon commerce business - the lender will first look at you and your partner and how much skin you have in the game, your experience and the risk of the loan not getting paid. 

I’m sure the same is true of Destin - when you have thousands to compete with. 

Felt like being at a high-stakes poker game, but with properties on the line.

At a bare bones minimum, the letter confirms the start/end dates of the lease, monthly rent, paid-through date, absence of any prepaid rent other than the current month, and security deposit amount.Better, it will include statements there are no unresolved claims or disputes or repair issues with the current landlord, and no verbal or written side agreements.Better yet, it will include a copy of the tenant's lease, and a confirmation the lease is a true and correct copy with no amendments.

This is even true for student debt.I recommend the old-school, proven technique of paying off all debt.

Timeline ranges from 22 days in Texas to almost 12 months in some other states. ” The borrower could file bankruptcy (can someone confirm that this will only cause delay, but not jeopardize ultimately collecting the legal balance of the note)”I wish I can confirm that, but it isn’t true.