I also only reach out once or twice a year for hypothetical advice.  

If its an attorney closing state same thing ask the attorney or one of their staff.Generally though be care of those reaching out and promising rates that are simply better than current rates thats almost always a fake lender or a bait and switch..

Reach out to them.

Please feel free to reach out with further questions and/or for attorney and lender referrals.Best,Zalman Ives

Hi @Tim Holt I think in general house hacking is usually a good move because it gets you off the sidelines and into the game with the most favorable financing possible (30 year fixed).There's a lot of value in getting started today vs waiting some undefined number of years until conditions are better, which could be a long time from now, because real estate is a business and the sooner you start actually learning about that business, the better.With all that said, I always recommend that people analyze any potential house hack as a pure investment that they aren't going to live in, because someday they may want to move out and you should know up front (before you commit) whether you're going to be able to do that, or whether you're overpaying and will be stuck in the property unable to move out because it'll be cash flow negative if you do.So you had it exactly right when you wrote, "the property would need to cash flow when I move out and rent out all units."

Well, Oregon can feel like an entirely different ball game.. especially if you’re used to simpler markets like Arizona or Texas.

As someone focused on wholesaling and sourcing distressed properties both on-market and off-market I’m always looking to align with investors, agents, and other fix-and-flippers who are actively in the game.

If it would be helpful for you to look at some more of those numbers, feel free to reach out. 

it is technically a real thing but very rare, and there is plenty of historical data out there that shows those who have less skin in the game are at a far greater risk of default by a factor of 5-7x.

Feel free to reach out with more questions.