Short answer "Narcissistic Supply"Narcissistic supply is a concept introduced into psychoanalytic theory by Otto Fenichel in 1938, to describe a type of admiration, interpersonal support or sustenance drawn by an individual from his or her environment and essential to their self-esteem.[1]The term is typically used in a negative sense, describing a pathological or excessive need for attention or admiration from codependents, or such a need in the orally fixated, that does not take into account the feelings, opinions or preferences of other people.Keep in mind, narcissists need lots of money to keep up their facade.

As was mentioned previously, a correctly purchased duplex with a quality tenant should pay most or all of your loan payment, private or traditional.Isolating house-hacking on its own, income is really only an important factor in the acquisition of financing.  

Usually you will have an opportunity to pay some or all of the buyers closing costs. 

Or, all could be well.I think you're borrowing trouble by thinking of all the issues that "could happen".  

Also, the numbers are easier to read if you present all monthly or all annualized.What does 'Expenses' include?

Here’s how Cozy Express Payouts works:• $2.99 per month per unit• You can enable Express Payouts for any of your units, or all of them• No limits on rent amounts• No limits on number of transactions per unit• If your tenant pays with a card, we won’t charge you for Express Payouts because card payments can be processed faster (and your tenant pays 2.75% to use a card).So that’s it!

The trick is, as you have found out, is getting financing when you own most or all the units.

Integration: This Agreement constitutes the entire Non Circumvention Agreement between the Parties and supersedes all prior discussion, negotiations and Agreements, whether oral or written.

Feel free to respond to just one or all 3 if you like:1.

Higher if you calculate getting 3k of your 5k out of pocket back from the down payment.You try to get some, most or all of your money back from the down payment.