I guess I could do some work-arounds -- maybe reserve one unit in the first purchase for use as an AirBnb, and reserve my own time in it when needed - instead of claiming it as a primary.Are either of you (or anyone) familiar with a finance product/loan that will allow me to purchase under $150,000 (w/ strong credit) and do much of my own work and live-in a portion as a primary residence?  

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

If its a DSCR loan it is less relevant whereas a bridge loan may look harder at your current financials to make sure you can afford the loan. 

I would love to talk with a lender to get a better handle on the products that help investors BUT in my strategy, I am leaning toward NOT using hard money at first(if I can avoid it).

I just can't accept such a constant ever increasing loss, even if I can afford it. 

@Darrius LloydTo start your house hacking journey, research neighborhoods with potential for multifamily properties and balance affordability with tenant quality.

Next, speak with a lender and find out what you can afford.

I am an seasoned real estate agent and affordable housing compliance manager in NYC with some experience in the Hudson Valley Area.

Ogden/Weber County is a place I'd recommend for much more affordable price points.

Here’s a breakdown of some top areas:Cash Flow-Friendly NeighborhoodsWest Charlotte: Known for affordability and strong rental yields, West Charlotte offers opportunities in single-family and small multi-family properties.Gastonia: Just outside of Charlotte, Gastonia is a great spot for investors seeking cash flow.