I'm speaking of co-living in a typical A or B level neighborhood house, so instead of a 20-25% down payment, we are speaking of a 1-5% down payment. 

Save for a house hack in the meantime.

I see that you recommend NOT having my mom deed the house over to me in order to borrow against it.

If you walked into a bank, your pre-approval would likely never qualify for a house hack duplex.Did they count 75% of the expected rent towards your DTI? 

The first agent is absolutely certain the house will sell in the high 400’s.

Quote from @Jeff Calcaterra: We have a potential tenant new to the area who has gone through a paid background check, signed a background check authorization form, sent us a LinkedIn profile, sent an offer letter and says he is willing to send us paycheck stubs, but says he doesn't want us to call HR to verify employment because he is supposed to have found housing already.

Same with houses and the MLS.

My plan for this year is to remodel and upgrade the house to then put it to cashflow either via short/long term rental.

I've been living in my current house hack for ~1.5, and I placed my tenants in September 2023 (lease is up at the end of August).

Quote from @Charles Evans: I'm a new house hacker here.