I predict that the substantial home price cost savings and greater control they enable the buyer to have will make them grow in popularity.

And North Carolina at large has become a popular pick for both investors and relocators over the last half a decade or so.

This does pose a challenge since that real estate is a lot more expensive than if you go more west and south.

My preferred options are:1. house-hack with a duplex under ARV; live in one unit => renovate => rent the other unit2. buy a SFH under ARV that could be converted into a duplex (preferably adjacent units vs top/bottom) - I'm assuming the biggest challenge with this strategy would be separating the infrastructure for utilities; and costly.

Question for: @Andrew SteffensDid you find it challenging to switch PMS systems? 

And, even then, hitting your rate target would still be extremely challenging unless you were paying points up front, in which case it would probably make more sense to just try to put in a bigger down payment (or pay down the balance if refi) instead and get better terms naturally offered at the lower LTV.

Challenges?

Challenges?

Challenges?

Based on the numbers seems like it was a straight forward conventional loan...any challenges?