I don’t intend to rent below market because I hear that can also trigger personal use tax implications.

Do your due diligence, and when you think you have a good investment that meets your criteria, pull the trigger!

I'm looking at small multi-family for house hacking but have the following issues with risk and financing.1. conventional lenders require 10+% down on multi-family2. buying the property in my name (to get cheaper financing) and then transferring to LLC (to mitigate landlording risk) isn't possible from the lenders I've talked to (due on sale clauses can be triggered)3.

Check it out with your tax guy before you pull that trigger.

Use the time between now and 2 years from now (your marriage) to either get smarter on your market or to pull the trigger on a deal. 

@Chirag Rathod A couple of advice if you want to pull the trigger sooner rather than later. 1.

Any of these actions could trigger red flags for your lender and make the deal fall through.

Get active, connect the dots as you go along.Getting funding could give you that confidence to pull the trigger on deals

After we pay them back, we would remove them from the LLC.Also, At what point does changing ownership inside an LLC trigger a "sale?"

From my understanding, you can't just swap out all the members of the LLC that holds real estate without triggering a sale.