The beach access limitations have been a hot topic for investors, and it’s definitely something to dig into if you’re considering the area. 

Aside from what everyone else wrote, note that adding units require various steps that you may not have considered (e.g., adding a new street address with USPS, etc.).

but mostly considering Ohio or Indiana at this point.

I'm considering selling the property to have cash to look for a 2-4 unit on-hand.

These are non-performing mortgages and the homes are vacant and in preforeclosure.This doesn’t fit my typical passive, turnkey investment model, but I am considering taking on a local property as a “fun” project.

House hacking a 4 plex is a good plan, and you may even consider getting normal financing with 20% down - just have a little more patience to save more to have adequate reserves.

They are coming to your property if you allow them or not (you cannot forbid service animals) Consider the facts: https://www.dogster.com/statistics/pet-travel-statistics-tre....Top 12 Pet Travel Statistics78% of American pet owners travel with their pets each year.54% of cat and dog owners plan to travel with their pet.58% of people would prefer to travel with their pet over a friend or family member.52% of travelers base their travel plans on accommodating pets.About 75% of luxury, mid-scale, and economy hotels allow pets.In 2019, a total of 404,556 animals were transported by airline.Nearly 64% of travelers prefer to travel with pets by car.42.9% of people look for a destination with hiking and fresh air for pet travel.Dogs make up 58% of the pets traveling around the world.37% of owners take shorter vacations because of their pets.10% of travelers have hidden their dogs to travel.27% of dog owners go the extra mile for their pets.

Make sure to consult a financial advisor if necessary and also consider reaching out to your local credit unions.

Another thing to consider is your goals for this first house hack and your living situation.

If the numbers still work after interest and fees, it’s worth considering.