It feels like 10K in PA is equivalent to 2K in NJ.

Anything the u/w can perceive as "variable income", even if its a shift-differential like nurses or firemen...

Start by networking through local meetups, REIA groups, and online communities like BiggerPockets to connect with experienced investors.

Your best and most efficient option would be a DSCR cashout refinance, more than likely.

You can PM me if you like and i include my telephone below.  

Those who don't let us manage the units like we own them, often fail or get cut.  

This is especially crucial in urban environments where every inch counts.Enhancing Market AppealIncorporating elements that attract tenants—like natural light, flexible layouts, and sustainability features—can significantly increase a property's desirability.

I imagine others don't like that it's in an older condo building without private laundry.

There are also a large number of accountants we work with who say that as long as it is done at arms length as a business like transaction then they are fine with it. 

Many investors in NY like the idea of house hacking because:- They can invest with a low down payment (similar to what a 20% down payment would be OOS)- They gain hands-on acquisition, project management, and property management experience.