Getting enough passive income to step away from a job is going to be hard to do in Oregon.

I got a PA for 300k/FHA loan. 720+ credit score, 75k cash, and good income.

The §1245 Silver Lining: Turning Tax "Pain" into Strategic Gain“’That'll be $500,000 in ordinary income.'

The last 3 years I gave away more than half my taxable income and last year I gave away 4 to 5 times my taxable income which perturbs the scorecard.So for me, I plan to stop when it is no longer fun. 

I should look at the expenses vs the income (rent collected) and not the selling price of the property. 

These are usually lower income areas, and you must understand the quality of tenant you may get.

.🔥 Why Co-Living & House Hacking Work So Well Together✅ Higher Rental Income Per Unit – Renting by the room typically beats traditional rental rates.✅ Lower Vacancy Risk – Losing one tenant doesn’t mean losing all your cash flow.✅ More Affordable for Renters – Competitive pricing attracts a steady stream of demand.✅ Built-In Community = Lower Turnover – Tenants stay longer when they feel connected.✅ Allows You to House Hack a Single-Family Home – No need to compete for pricey duplexes and triplexes!

Embarrassingly, I listed our property with the usual $50 pet fee (which can only be $35 now) and asking for income 3x rent (which is now 2x).

They have solid lease agreements designed to protect you, your income, and your property.Property Maintenance & Repairs: They have a network of vetted, licensed, insured contractors that can respond quickly and do the job right the first time.Minimizing Vacancy & Maximizing Occupancy: Their marketing reduces vacancy time.

Changed the cash deal to a mortgagee, would only fund $179,000 of the $190,000 (appraisal came in at $202,000) for cost of house, and then wouldn't fund to a partnership, only an LLC or corporation.