Our elected leaders have the unique opportunity to not only help small businesses, keep industries working, combat inflationary pressures in the housing markets and at the same time make housing more affordable for millions of Americans.Several factors contribute to the tight housing market, each influencing the others in a cycle of cause and effect.

All that to say, I really like small multifamily for MTR.

As for being worse for small landlords that's a different story and going to be a slippery slope. 

To build momentum, I’d start small, assemble a reliable local team, and ensure the properties I invest in have strong fundamentals.

This money gets added onto the back of the loan kind of like a VA funding fee does. 

If you’re just starting out or doing small-scale deals, it might not be urgent.

FHA LoansIf your down payment savings and your credit score aren’t where you want them to be, an FHA loan could be your pathway to buying a home.

Pooling the funds together allows me to maximize every investor dollar and minimize idle cash.

Additional costs will creep in and costs seem to go up faster than rents, so I would sell and try to otherwise optimize the VA loan. 

That said, even with conservative rental income estimates, my living expenses would eventually drop to several hundred dollars less than what I’m currently paying in rent once the house hack starts generating income.I do have cash reserves to weather some rough patches, but the idea of pushing my budget this hard makes me uneasy.