House hacking is a powerful strategy that can put you far ahead financially compared to those buying a primary residence or continuing to rent.

However I have little tolerance for knuckleheads that plow ahead not having a clue what they are doing.Buyers point of view. 

I completely get where you're coming from; the fear of starting can be daunting, but the rewards of pushing through that fear are immense.I’m involved in real estate investing, specifically focused on new construction duplexes in Indianapolis.

Exciting times ahead as you embark on your real estate journey.

I don't think I am pushing it over the total photo data limit because I have uploaded other photos since getting this one rejected.

The image attached is an example calculation I did and I had to push the appreciation to 25% to be able to pull a good amount for the next down payment.With these calculations, it made me realize that I might have to find alternative ways to go from house hack one to house hack two.

If you have a trusted lender contact, then go ahead and get your pre-approval from them first and go shopping for agents afterwards.

My mortgage would go up $781 for the next 30years,  the ADU income would more than cover & I hope to pay extra principal to cut my loan time -it's just I was hoping to pay off ADU within 5.5yrs- so that I can collect 'all' ADU income at that point <I'm fixed income & I lose 'some' personal income in 5yrs so trying to plan ahead on how to recoup that>.

I have literally lost thousands of dollars - so much passive activity loss that can pushed forward on my taxes.

The worst ones usually don't have any clear cut guidelines (a lot of the underwriters will make up their own rules if they do not like the deal), Suck at communicating (will reply days later), Push aggressive terms to get deals in and then switch them, and Not really motivated to get things done (they will adverse a loan without any hesitation).