It's important to have a good understanding of the different areas of Cincinnati and Dayton, so you can assure that you're pulling accurate comps.

Quote from @Iliana Herrman: Brandon wrote his book over ten years ago and the market was very different at that time.

But there is a difference between how a real loan officer will speak to you and how someone trying to pretend to be a loan officer will speak to you.FEES YOU CAN EXPECTAppraisal - this is not on the bank and it does not belong to the bank. 

Also you may want to reopen new cases as different reps lead to different results a lot of the time in my experience. 

However, a different niche such as insurance placements, might very well be in the 70%~ occupancy level but the rents are going to be so much higher that the occupancy rate (comparatively speaking) is irrelevant.

If it's not feasible due to circumstances I suppose I'll have to adjust my situation (find weekend job, move back to NJ with parents, move to a different state with, etc.)All responses are appreciated, and I am absolutely open to chatting on the phone by the way.My view on house hacking is it can be a great tool to buy a house you could not  otherwise afford, but it shouldn’t be a goal in it of itself if that makes sense and that’s not to discourage you from investing just there are alternatives such as the stock market. so I’d start by asking where you want to live, do you want to own a single family home or does it make more sense to rent in a more interesting neighborhood like Arlington, Alexandria, that’s gonna be a personal choice, Will your monthly payment actually be less than renting/how many people do you need to get in the house to afford that?

Based on the tenor of your posts, I've got to ask - do you have your primary residence squared away?

They require or they request.Big difference. 

I mean, don't get me wrong, we have to comp the property...so if you are looking to REHAB the property and make it something different, then you need a rehab loan first and then refinance after type of thing. 

A house is a totally different story.