These areas may offer more affordable multifamily properties that fit your house hacking goals.Rochester and other distant markets could work for a BRRRR strategy, but it’s a big commitment given the distance.

You can refi into a DSCR at the 1-year mark, buy another - rinse and repeat.That's a good idea for the House Hack, but I can tell you FHA offers are very difficult to get accepted right now, at least in Toledo.

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator.So, the first question they usually ask a PMC is about fees - instead of asking about services and HOW those services are executed.EXAMPLE: PMC states they will handle tenant screening – what does that specifically mean?

The Smokies are a favorite of mine, but beware it is an ultra competitive market. 

It was listed on Zillow for $110k and we made a low ball offer at $90k, ended up getting under contract for $95k.

If the seller accepts the offer, (contingent on appraisal[as per court approval requirement]), How should i proceed in the situation.

If your income is transferable, you could get back on your feet much more quickly by moving to cheaper, less competitive market out of state.

Also, be honest with yourself that the approach you describe is intended to take advantage of people who just don't understand what a terrible deal you are offering them. 

Ideally, I’m looking for buyers who can offer fair deals and make the process smooth.If you’ve sold owner-financed notes before, I’d love to hear about your experience—any tips or lessons learned would be greatly appreciated!

It can be a struggle to find those who offer adequate service, price, and quality.