yes in 2020 I had to find an alternative due to Covid.

If it's not feasible due to circumstances I suppose I'll have to adjust my situation (find weekend job, move back to NJ with parents, move to a different state with, etc.)All responses are appreciated, and I am absolutely open to chatting on the phone by the way.My view on house hacking is it can be a great tool to buy a house you could not  otherwise afford, but it shouldn’t be a goal in it of itself if that makes sense and that’s not to discourage you from investing just there are alternatives such as the stock market. so I’d start by asking where you want to live, do you want to own a single family home or does it make more sense to rent in a more interesting neighborhood like Arlington, Alexandria, that’s gonna be a personal choice, Will your monthly payment actually be less than renting/how many people do you need to get in the house to afford that?

They seem to be a financial planning company with a bend to aggressive investing in alternative assets.  

In terms of maximizing your returns you want to compare the interest to an alternative.

That said, there are alternative ways to meet the requirements, and with proper planning, you might not need to rely on these specific tests if most or all of the participation comes from you during the first year.

Establish an emergency fund and target stable long-term rentals or short-term rentals in markets you understand.House hacking or private lending can offer alternative entry points depending on your risk tolerance and hands-on involvement.

Alternatively, we can get a 15 year fixed at 5.25% with $8,800 closing costs.

. $40k will not get you a non owner occupied San Diego property unless you find some unlikely alternate financing.

There's very little way to go wrong here since the alternative is paying to live somewhere else anyway. 

But Incase they deny it or find other excuse to stall what would be alternatives?