This is also a cost to acquire. 

You get money at closing and then you refinance when rates go down.Anyone done this before?

House hacking a 2-4 unit property with FHA (3.5% down) or Conventional (5% down) can be a smart way to start, while DSCR loans or partnerships can help if you need alternative financing.

@David MartinezA quick search on furnishedfinder.com shows a bunch of available midterm rentals in that area so you can use those to help guide your price and strategy.

If you ever need insights on financing options for rental properties, including DSCR loans to scale your portfolio, I’d be happy to help.

Some "captive" agents like Farmers, Nationwide, maybe others also have some market access other than their namesake, but unless things are different there State Farm has State Farm only so when they're done, they're done. 

I hope that helps! 

This is awesome, congrats!

Too many flakes and dream merchants (using my material to teach while stealing your wallet and offering to help you look for it!).

Quote from @John Warren: @Delroy Watson I would check to see if you can do this the "right" way and make it an ADU.