When I say, you can do it on your own for free and I offer the info for free, It IS offered for free.

There are even ADU grants being offered.

These platforms are affordable and offer comprehensive reports (credit, background, eviction history) without you having to handle sensitive information directly.Verify Employment and Landlord History: Your plan to request pay stubs and a landlord reference is solid.

One of my early properties barely broke even, but after a couple of years, rent hikes and expense optimization turned it into a strong performer.For cash flow benchmarks, I usually aim for $200-$300 per unit, but your situation.. house hacking.. offers unique benefits like reduced living expenses and quicker equity buildup.

Many distributors also offer financing and can give you an idea of what monthly loan payment you’d be looking at.

The cleaning company I use started offering hot tub service about a year after I got the salt water tub and I took them up on it. 

Quote from @Zach Howard: @Robby SanchezThanks for the offer - actually Texas is one of the places where I've started to look at potential properties and so on.

I'm just hoping someone with actual knowledge of it can provide some information that offers an alternate explanation.

The biggest challenge seems to be finding lenders that offer these loan products which is where I’m looking for help from the community with recommended lenders that serve Texas.The Fannie Mae (or Freddie Mac) options are preferred over FHA purely because of the (perhaps perceived) limit on renovation funds that the FHA option provides.

It offers little protection against negligence but good protection for contract disputes.