Until the business has enough assets to matter, it really doesn't matter all that much.

My personal rule is to never invest more than 10% of my financial assets in any one deal.  

@Ibrahim AtoumIf you're starting house hacking at 20, focus on building your knowledge and financial readiness.

I invest here in GR and am happy to connect you with our financial advisor who is helping us structure our businesses for our properties. 

If the husband defaults on the loan, it could affect the household's financial situation, potentially leading to missed payments on other obligations or a decrease in property value, which might influence her credit indirectly.3.

You are buying in the Smokies for future price appreciation, and letting other people pay off most of the asset. 

That went away during covid when you could be in a coma stranded on a deserted island and done nothing to an asset and it appreciated.

Be an asset.

If I can afford the financial loss of it not being rented those months (2K mortgage) then maybe it's at least worth trying?

Knoxville has some good ones like First Tennessee, Pinnacle Financial Partners, Y-12 Federal Credit Union.