A room furnished through FF could easily fetch 800. 3 of them is 2400 or up to 3000 when that same house probably only will get low 2000 for rent.I don't think BP has leases for by the room (correct me if I'm wrong) but you can have an attorney draft one for not too much online OR use ChatGPT honestly these days.

I wanted to avoid paying rent while also keeping my monthly housing obligations as low as possible.

@Jacqueline LeeIt’s real but the scales are not equal and heavily weighted to those with experience and their own moneySo if you have no experience and no money - your odds are low as why would someone lend you money?

@Adam ZbiciakI've been pricing these in the high 8's and low to mid 9's for most scenarios, similar to as you've described here.If you have a larger loan, stabilized with good cash flows, strong experience with 9+ properties, and strong liquidity, I've quoted these in the 5's (at par) at 55-60LTV with a Family Office I work with. 

GDP is up 3% YOY, unemployment is historically low at 4% (and even better here in Nashville at 2.9%).

You can put as low as 3.5%-5% down payment and rent out the vacant units to offset your mortgage.

too low?

Ziprent doesnt offer much except their low monthly fees.

The rental above cash flows about $5,000 a month and helps offset the mortgage cost at $6300/mo.My question is: we have a lot of equity built into the rental, but the mortgage rate is so low that my calculations show shifting the debt from the primary residence loans to the rental as being a wash with the tax savings. 

Keep your debt low to zero on everything but your mortgage, do not move to a second property until you have 6 month reserves for vacancies.