To have access to the most DSCR options you will want 6 months seasoning.

Achieving “work optional” status and creating a life with more freedom and flexibility.I’m excited to learn, share, and grow with all of you here at BiggerPockets.

I'll look into these options.

Or is it that you really need to buy the house free and clear and that’s your only option?  

The only way to answer that in general (whether house hacking in today's market is still a good option) or for a particular property, is to learn how to run the numbers and analyze a specific property to see whether it will be able to stand on its own as an investment when you move out someday.There are a lot of resources here on BP for doing that but I'd just say, make sure the assumptions you're putting into your spreadsheet or deal analyzer are realistic.Make sure the rents (especially for vacant units or pro-forma #s) are realistic by doing your own rent comps; make sure the mortgage rate is realistic by doing some research online and/or talking to some mortgage folks; make sure insurance #s are realistic by getting a couple of quotes for the # of units and zip code / area you're looking in; etc.I hope that helps, and good luck 😊

We are sourcing our own deals at this point to get a better advantage. 

Definitely check out multiple options!

I actually have a few options for you in Indiana, as I work with a great team there.

First there is no reason to buy a Townhouse "all cash" instead put 40% down and reap the benefits of an extrenly low rate, No PMI and the option to escrow.

However, it would be interesting to check the option of an outside vendor for a small feeThird Point:I wouldn't expect to have often custom changes.