This is by design because I realized I was very far behind on my retirement savings and had to take drastic measures or I was going to end up working until I die.

Tell all US citizens they gotta suck things up, austerity measures, slash social programs 50%.....

You cannot invest what you do not have.Initially before you invest, your success is measured by how much you have in (for instance) your Vanguard Money Market Fund, or an FDIC insured Money Market account, or stuffed inside your mattress, etc...

Maybe do it officially for good measure.

I give you analogies, and explanations, I even give you statistically measurable numbers and data to back it up.

@Ari Lagunas I would chose the 95% OO loan over the higher FHA LTV due to fha sustainability rules (applies for more than 2 units), fha stringent criteria regarding condition, and fha rules regarding PMI.  

- Measurements of all sheetrock, flooring, cabinetry, counter tops, etc that need to be replaced for estimates.We’re both ambitious but also realistic about the risks.

Higher Deposit (Down Payment) for Favorable Lending:Offering a higher down payment, like 30%, often does result in more favorable loan terms—lower rates, higher loan-to-value ratios, and less stringent underwriting.

A perfect example is Texas.  20 years ago Texas passed the most stringent contract for deed laws in the nation due to rampart abuse; now I can’t fight an attorney in Texas willing to advise on a contract for deed transaction.

I want to buy a house-hacking property or duplex around the SoFlo area, but I'm wondering it it could be a better idea to invest OOS in Huntsville Alabama where I could afford a quadplex or something of that measure.