Smaller banks may have more flexibility for other products should you need them down the road. 

I’ve purchased 1930’s through 2010 built product and the older product always has more issues.

Tenant just moved out, cleaners found they used the wrong type of cleaning product on the stainless steel appliances, causing a permanent discoloration. 

@Matteo GirlandoWe have a DSCR product available to first time investors.

How much it will affect your DTI depends on your existing debt obligations, income, the mortgage of the primary home you want to buy, and the mortgage of the house hack property.I recommend using the 5% down conventional loan product to house hack and only use FHA if you have to since there are more restrictions involved.

Just a piece of advice if you do elect to pull some cash out is to stay at 60% loan to value. 60% loan to value for most products will get you the best combo of rates/costs on the loan. 

.**** An important note for people with AC Units at their rentals, there is a product that is the equivalent of fix a lot for AC units.  

It's all about personal relationships with productive agents.

If you do install any Cadet heaters though, for the love of god please pair them with the manual knob-style thermostats - the Cadet electronic programmable thermostats are maybe the single worst product I've purchased in my renovating life, and were replaced almost immediately after installing them.Doors and Trim. 

It's good to build a reputation of reliable person who stands by what they say and does his best to deliver the best product for the buck.Never forget, this is a for profit business.