Most lenders are fine with just seeing a signed lease and receipt of the first month's rent with security deposit, so the tenant doesn't need to actually be moved in yet. or 80% though it will certainly make the process smoother if you have a tenant lined up.

Including this income could strengthen your application and increase your chances of securing a lower rate.

I've been a silversmith for seventeen years but am really wanting a life and career shift that offers additional fulfillment and financial security.... no built-in retirement plans for us artists!

Once the plan has invested into assets like real estate or securities, that value is no longer covered by FDIC. 

This will also help me gain the necessary experience to secure a co-hosting position in the future.

The previous landlord held first, last, and security which I was credited at closing.

We’ve secured pre-approval from Chase for a $200k conventional loan at 8% interest with a $40k down payment for our first rental property.

They use their own funds as well as secured loans on their credit through other Hard Money Lender's to help make the deals happen.  

The city offers various multi-family housing options suitable for house hacking, including duplexes, triplexes, fourplexes, and townhouses.Regarding the mortgage securing, I could be of help with that, I work for a private lender that lends in 48 states, including North Caroline.Find a realtor familiar with investment properties and house hacking strategies in Charlotte.

Like other comments suggest, you may be able to secure long term debt sooner but if for whatever reason that is not the case feel free to connect with me.