If you're considering Real Estate as an option in the future, I would not add the money to either of these accounts. 

You could also check out options like Cozy or TenantCloud for similar features.When converting to LTR, just keep an eye on local rental laws, lease terms, and any rent control rules that might apply.

For smaller deals like owner finance options, it's important to build a strong relationship with the seller, as this often leads to more flexible terms.

Quote from @Patricia Steiner: There are several lenders who offer low/no closing cost options for first time homebuyers.

Homewrite is seems like it could be a good option.

@Max Bellino For smaller properties like your 2–4 unit multifamily buildings, an online cost segregation study is a quicker and more cost-effective option, providing sufficient accuracy for straightforward properties.

The reason why I ask is because that could determine what loan options are available to you (and interest rates). 

Financing & Loans: What are the best loan options for short-term rentals?

I think the economy has a number of diverse employment options, lower prices than King County while still being within driving distance.  

If house hacking isn't the best option for me, how would you recommend starting out to build up some investments.