Getting greedy tends to cause investors to be sloppy and I 100% agree with @Ken M. no good deed goes unpunished in all areas of life. 

It's just a biproduct of basic human interaction.

It depends where you are on your wealth and life ladder.

Makes life way easier as tenants can't go complaining to you about it as its their own responsibility. 

I need some real life advice, I want to house hack but I want to build a duplex.

It will not replace humans in any shape or form, opendoor tried it, listing spark tried it, they are the two worst companies to deal with. 

Each has its pros and cons, but starting with House Hacking can be a great way to ease into real estate while keeping your living expenses low—perfect for someone just starting their career.Here are a few suggestions to get started:Education: Books like Set for Life by Scott Trench (sounds like you’re familiar with him!)

Settlement will occur throughout the life of a structure, although in most cases it will diminish over time.

This is much lower than the costs associated with refinancing.Benefits of Mortgage RecastingLower Monthly Payments: The most immediate benefit is a reduced monthly payment, which can free up cash for other financial goals.Save on Interest: By reducing your principal balance, you’ll pay less interest over the life of the loan, potentially saving thousands of dollars.No Credit Check or Appraisal: Unlike refinancing, recasting doesn’t require a credit check, income verification, or home appraisal, making it a quicker and simpler process.Keep Your Current Interest Rate: If you have a favorable interest rate on your current loan, recasting allows you to maintain it while still lowering your payments.Drawbacks of Mortgage RecastingRequires a Lump Sum: Not everyone has the cash on hand to make a significant lump sum payment, which can make recasting inaccessible for some homeowners.Doesn’t Shorten Loan Term: While your monthly payments are lower, recasting doesn’t reduce the length of your loan.

I know it seems like this older lady has an intent to intimidate me, but hopefully she is just behaving this way because her mind is slipping later in life.