@Ethan TramelSounds like you're hoping to combine two things... where you want to live... with wanting to make a few bucks through a house hack.

Finding properties that fit the 1% rule in specific neighborhoods often requires a combination of market research, networking, and a deep understanding of local dynamics.

Water and garbage are combined and charged by the city bi-monthly.

If someone sues you and wins, they can only take the LLC that owns the property that was involved in the lawsuit.Best: Using a combination of LLC and land trust to protect your rental properties.

The numbers and landlord laws out here make a lot more sense in my opinion and I've been able to have a good combination of cashflow and appreciation. 

the longer answer is... if you are employing a combination of creative strategies then it's possible to reduce the amount of cash you need to put down / to close. 

Our combined DTI is around 30% right now.

A combination of both?

I could use both my parents as guarantors and the total of us combined would be enough.

These numbers should be determined using a combination of the historical financial data available, feedback from your property management company, your business plan, and the property characteristics.Generally, you can expect per unit numbers like this:Repairs & Maintenance: $200 – $500 per unitAdministrative: $150 – $350 per unitUnit Turnover: $200 – $300 per unitContract Services: $200 – $500 per unitUtilities: $800 – $1,200 per unitAdvertising $100 – $300 per unitPayroll $1,000 – $1,600 per unit (very market specific)Insurance: (very market specific)RE Taxes: (very county specific)Again, these are very general per unit numbers but they should help provide you with guidance.