You could likely get into a rental with a DSCR loan at 20% down, which would be similar or less in terms of DP on an owner occupied loan via conventional financing in eastern MA. 

As someone relatively young, obtaining a conventional loan has proven challenging for me.

If its a rental you could get a DSCR loan which is different than a conventional loan. 

Sometimes the smoothest way to acquire your 2nd house hack, the conventional route could be the best.

and maybe even some encouragement.The Beginning: A Flooded Start and Big AdjustmentsI started the year by purchasing the property with 5% down, thanks to new Fannie Mae guidance on conventional loans around December 2023.

@Shak F. you wont be able to do a cash-out refinance with a conventional loan, since they require 12 months.

Research neighborhoods near colleges, government offices, and hospitals, explore FHA loans, conventional loans, house hacking strategies, and connect with local investors.Good luck!

You can do a duplex though, which might not be a bad idea.With your credit score, conventional might be a good choice, you only need 5% down for 2-4 units if you live in one. 

I actually used to have a game modeled after Monopoly that was called Slumlord😂 same type of antics with buying property, maintenance cards, dealing with code enforcement etc… Bought it at a real estate convention 

This may border on mortgage fraud though if she gets a conventional loan knowing she intends to just hand you the title.What about a private lender that won’t make you sign personally?