House hacking is an excellent strategy, especially with the potential to use an FHA loan to secure a property with a low down payment. 

Excellent, Drew!

My first offer was $35K below their asking price, but they countered to bring my offer up $10K, so now we are at market value.

Ended up getting an offer at asking, but the appraisal came in way lower than I expected.

What's your specific pain point with the offer?

I’m considering offering the seller 85K, the realtor 12k and then put in around 35K to get both up and down units rent ready(might be able to do it cheaper, especially since it’s likely a rental).

Also review what others offer.

Quote from @Dylan Fraembs: Quote from @Wale Lawal: @Dylan FraembsThe Providence market offers solid opportunities, especially in multi-family and value-add deals.

I am offering 15% interest on the initial investment plus 40% ROI after a six-month grace period.

The state will get its pound of flesh and my liabilities were better managed by executing perfect permitted work and excellent insurance.I'd sincerely recommend having a savvy CPA, Lawyer & Insurance broker.