If banks controlled all this business and did away with the broker model and like what I experienced the lender was a bank employee and was on salary not commish.. docs are prepped by the bank ( on my commercial loans that is free no charge NO JUNK Fees at all just appraisal and 1/2 a point to maybe 1 point. this is a stumbling block for owner occ especially first time buyers who dont have money for closing costs and generally need the seller to contribute you know I see it all the time on my starter homes that I finance for flippers.. virtually everyone has seller assist on it to pay for all the junk fee's and brokers fees.. its getting paid somewhere and that just makes it harder for those buying homes to live in ..  

Unfortunately, at the time, and for the years that followed, I was preoccupied with the notion that stocks were the superior investment vehicle.

This same notion was just echoed at the MBA conference in NYC and by the Fannie/Freddie trades that just took place.  

Therefore, I have a hard time committing to a house hack which contributes greatly to my problem of raising capital for a conventional mortgage with a 20%+ down payment instead of alternatives such as an FHA. 

Remember, the notion of amassing wealth without investing is a dangerous myth perpetuated by self-proclaimed experts.

I think what you're doing with your plan for your future is very smart and hope to contribute to your goals.

And if they had notion of such, they'd probably setup foundation of an entity as servicer of such, for "just in case" planning right, someone like, oh sayyyy J.P.

I am extremely grateful to all who contributed to this thread. 

Steps 2 & 3 would be the main contributions of a Civil Engineer who is involved. 

Looking forward to developing and contributing to the local community of real estate investors.